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Fate is probably real to some degree.
It's a mechanism which it looks like coincidences and chances are steering you into a certain way. There is a difference between coincidences with no pattern and coincidences that form a underlying pattern.
Has there been a general trend in your life? Have you had a lifegoal? Does it seem like the world keeps wanting you to be a certain way? Then you might be afflicted by the fate factor. There is little you can do, you can try to fight against it, but you will come across "bad luck" which is the fate factor in disguise.
