Fate, destiny, luck. Call it whatever you want, but I believe they all boil down to one thing: absolving oneself of personal responsibility.
Sure, random things do happen. Entropy is just a law of the universe. However, under it all I believe that we are agents of our own will. We are free to act or be acted upon, and reap the consequences and repercussions of our actions. This does not annul my belief in a divine creator. I believe in a just creator who operates under divine laws (which I admit that we, as mortals, do not fully comprehend), not a whimsical being who punishes or rewards all willy-nilly.
In other words, I believe that ultimately, what good or bad comes to us in our lives is predominantly of our own doing.
I'm not arguing that tragedy is the fault of the victim. But if, for example, one lived in an unsafe neighborhood, and had repeated tragedies because of they elected to continue to live there, then yes, they are responsible. I suppose in my mind it is a matter of degrees. I have seen plenty of bad things happen randomly to good people. Yet those who I have seen that repeatedly suffer almost every time do so because of their own choices.
And so, it is with extreme skepticism that I observe people who claim that time and again they are the victims of bad luck. When they stand up and assert (with perhaps a tad too much fervor) that they are free of any responsibility to what befalls them, I think they are either liars or just impossibly myopic. I just can't wrap my mind around the notion that someone could be so persecuted, so hounded by others, and so free from any responsibility.
Drastic circumstances negate this line of thinking. War, famine, natural disaster defy this logic. I recognize that. But even in the third world I have seen this theory play out. Those who live in squalor and misery are almost always there of their own choice. And those who choose to rise above almost always do so through conscious effort.
I suppose that is why my empathy for repeat victims runs a little dry. Or perhaps I am just a heartless bastard.