Fate or Coincidence?

Many people think that the life has a fate that it's written from the beginning of our lives. But, we must also talk about the people that doesn't believe in fate and thinks that all the actions that happen in you life are just mere coincidences. So, if we think about it in a religious way we see that everyone who believe in God/Al·là, etc. Say that their fate is written from the beginning and the meaning of life is to pray to god to have mercy with their souls. The other way is like: You don't believe in FATE but in the ACTIONS that guides you in differents ways your life. For example, if you choose a way to a park you can find a girl that in the future could be your wife, or choose the other way and die by a car. Those facts, are just mere facts that happened by COINCIDENCE. Many philosophers sought the meaning of life, but, nobody found it because WE CAN'T, WE DON'T KNOW THE MEANING OF BE ALIVE UNTIL WE DIE. So this question in my opinion it's ridiculous, anybody can think about ther fate in different ways: A curse, a coincidence, an action, karma, sins... . So feel free to think wathever you want!