I prefer to look at the concept of fate using a term the religious like to use. A "mystery."
Some say fate is determined, predetermined or can be determined, but I say rather it is a mystery. Unknowable.
Gamblers think fate is determined by some law, some statistic, some system and think they might be able to predict the fall of the die. I say "not."
Sure on occasion their predictions might match up with events and that matching can be turned into a statistic and the hopeful or the foolish might think they have a handle on fate, but fate stands outside that charade.