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Fate and Destiny
As mentioned earlier, fate is a result of the universe trying to convert the sum of your thoughts by filling in the blanks as it creates your environments. Some people like to believe their lives here are prearranged by destiny. This is not true because such an environment would not help your soul to evolve. No goldfish would wish to have an encounter with a cat, but without the cat existing in the environment, there is less of an opportunity to evolve. Smoking cigarettes could be a similar example for humans. It is a choice which exists, but also has a potential to change your path of destiny.

Your Soul Can Always Evolve
The beauty of this plan is what I think is most often overlooked. The universe doesn't care if you make mistakes, it only wants to give you the environment you ask for. You can't go back in time and correct mistakes, but you can always create new and better environments for yourself. This is the essence of spirituality, and harnessing the power of the light. When you apply your energy and understanding of how the universe works, you will experience all the joys that come with higher evolution.