Fate: something that unavoidably befalls a person; fortune; lot: It is always his fate to be left behind.
I told CH that fate is by chance. If 2 human meet each other along the way without telling each other where they are, it's fate. Even if the person did tell where he/she is at but sometimes, if there is no fate, they might not meet.
However, he argued that fate is created by human. If 2 human meet each other along way, it's because either 1 has make the effort to do something to make it happen.
In conclusion, I came up with this, "50% of our fate is decide by the God, another 50% is for us to make it happen".
Then my cousin came and talk to me and asked me, "so how many percent for luck?" I told him, God = fate = luck. Lol.