"It was meant to be" is a very common statement. A person misses their flight and the plane ends up crashing. Was it destiny? Luck? Clearly they did nothing intentionally to alter their fate.
Whenever something bad happens to us it's natural to replay the events that took place and the choices we made prior to the incident. If only I had left the house five minutes earlier or took a different route to work that day, or ordered something else from the menu....etc
There are other instances where something traumatic happens in life which changes our course and leads to a better situation. The loss of a job or failed marriage can lead to finding a better job or a new mate who is far more compatible than one's previous mate. This causes many to say; "Everything happens for the best."
Lastly for those who believe in God the vast majority state that he knows everything you are going to do before you do it. However since (we) don't know what we're going to do ourselves we have a sense of choice or controlling our destiny. Nevertheless it is impossible to surprise or shock God.
If God knows what you are going to do does that mean he is making the choices for you? Is your life predestined? No, I don't think so. At least not from (our) perspective. Just because someone knows you better than yourself or has the ability to see the future does not mean they are creating your future. I would call it "infinite wisdom".
Life is about the "journey" and not the "destination". We know that we are going to die and yet we don't know how or when. From (our) point of view (death is predestined) however everything that happens prior remains a mystery full of possibilities and experiences. You could say; Why should I eat "right" and exercise when I know I'm going to die regardless? Whether one smokes two packs of cigarettes and drinks a quart of whiskey every night or eats raw vegetables and drinks water all day long the end result is still death. Even though we (know) the "end" we're interested in the (quality) of the moments.