One of the reasons that we invented religion
was to explain
things that we couldn't explain otherwise.
But why do we have to believe in our explanations? Why be limited by faith? It works just as well to use a metaphor, something beautiful, explanatory, and disposable.
We couldn't explain how complex organisms came into being. This was one of the reasons that God was a good metaphor. Now we have a better metaphor -- the theory of evolution.
Fate is a metaphor that tries to explain certain patterns in "chance" and "coincidence." Someday, we will have a better way of looking at it. I don't believe in fate, but I use it as a metaphor until something better comes along.