It's always nice to believe that there is a bigger reason for all of this. Like, ugh I fractured my ankle...bad luck, but maybe it prevented me from being hit by a car coming fast 2 blocks ahead which would be good luck. Or that God has a bigger plan for us (if one believes in God)
The truth is, anything can happen at any given time. It's just all a matter of events and circumstances hitting at just the right second. Sometime these events brings forth something we perceive as positive and other times it brings forth something we perceive as negative. Doodler makes a good point that it's really just about our perceptions.
Hey, We made bad choices in spouses, but it brought forth beautiful children.
maybe it's a combo though. Our choices and our actions do sometimes play a role in outcomes but sometimes there is the uncontrolled that changes the game.
Is the real question, how can there be predestination if man was given choice?