What Is Fate?

I do not believe in fate. Yes, maybe I'm fated to believe that. If fate were true and irrevocable, then people have no real choice. If they are born evil, there is nothing that change their evil nature except if fate wills it. That is bad, since people can basically sit back and let fate run their lives. Why do they even bother living? I think "fate" is only for the people too lazy or cowardly to take control of their lives. If you're poor, must you stay poor? If you're rich, can you improve your quality of life and/or improve others' lives? Fate is a nice thing to believe in because it can probably never be proven. But if that were the case, then religion is truly the opiate of the masses because its tenets can probably never be proven, and people believe in it regardless of its "real" truth.