Fate or Providence is not merely an abstract entity governing our lives trivially. It is the course of someone's life for someone or something, seen as outside their control. It is rather the whole substance in dominating us usually. But that does not mean, a human being should forget all labor and toil to wait for what is stored for him in future.
A girl was very diligent and sincere in her studies. She always secured the first rank in her class and was prepared well to appear in her final exams the next day. But her fate was such, that night before her examination, her father got expired all of a sudden. This left her shattered to the core and she could not appear for her examination the next day, thereby saying goodbye to the dream of being awarded a gold medal for being the topper.
But, if such was the case with her, it does not mean that everybody would sail in the same boat in life. Life is such that even the sweetest pleasures will not stay for a long time. Thus, one must keep doing hard work as "God helps those who help themselves" and fortune favors the brave. There is also a very old saying that “The harder I work, the more I practice, the luckier I get”. This means that only hard work is the ultimate solution to all problems.