I agree with your first Example... but next one is just stupidity/carelessness..how can you call it fate.
If I die tomorrow its my fate...if I survive a heart attack its my fate...
But you cannot leave everything for fate and just relax... do your duties in life with full dedication and commitment...leave the rest for GOD..

If you don’t study for the Exam and you fail..It’s not Fate..
If you studied well... but you met with an accident you couldn’t write the exam..Its your FATE!!

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