Why am I going full circle..

So who believes in Fate and all that happens is for some reason or another? Yea, me neither. I mean, once I did. I really did. But the more I think about it, it seems a complete waste to leave everything up to "chance" really. If I want something to happen in my life, I have to Make it happen.  Not leave it up to "fate" or "chance" or whoever to do it for me. I mean, where would that lead me?  If I had done that, let's just say, I wouldn't be the happiest person. Who knows how things would be at this point.. it didn't happen, so Oh Well right?
I guess some things happen for a reason to some degree. Subtely of course. Like the guy who lost his job and was just about broke but because he put his resume out there to every single company he could find, he got a job offer. Things are going well for him now. But did he make that happen with hard work and diligence or did it all happen for a reason to perhaps teach him the lesson that job security doesn't exist and you better have something to fall back on if you ever do get let go?
I still don't know. Maybe a little of both. I would like to think that. I like to try to learn something from all experiences that I've had. You have some bad ones, and you learn from them and swear not to repeat it, but then "fate"(?) steps in and there you are all over again. Is it fate that brought you there? Or your own doing because it's just something you wanted to do again? At what point do you say, "the first time, that was a mistake.. I did it again, now this time it's not a mistake tho, this was a CHOICE".. And what about regret? Do you regret anything? What's the point of regret anyway?  We obviously can't CHANGE the past, but again learn from it, and move on...  I have WAAY too much on my mind right now...