Both. On two or three occasions I could have been killed or seriously harmed. Once is sheer luck. Twice you've beaten the odds. After that, it has to be intervention from a divine force. So I believe in guardian angels and that everything that happens is for a reason.
So if there are guardian angels there has to be a creator. At least for the really big stuff like life and death. Other minor things like winning five bucks on a scratch ticket is by chance.
(It does bring up an interesting point of why do some live while others die. It's hard to say except that maybe those who live still have a mission to resolve. Those who die are in a better place.)
Anyway, it's the same with the universe. The creator that we call God intervenes in the important stuff like creating Earth and humans in His image. The rest of the universe is a field of rubble that was scattered by chance.