I do not agree with the words on the picture at all. But, i can see how many would get to that position.

Destiny is what you create for yourself
Fate is when you fail to create your own destiny.

There are many destinations that YOU created before you started this life.
And, given that you really do not try to change your life (You knows you, so you will probably follow the plan) you will end up at those destinations. Meeting a lover, having children. For some people certain jobs. Meeting a life long friend. These are often set up before hand… by YOU.

Then you have your life lessons. You have chosen what you will work on, and these are often mirrored in your karma. And so you will run across these over and over until you get it, and break out of the loop.

Some people have to learn the lesson, and others do not.
Some people can leave 10k on the exchange and never have a problem
Others are hacked, scammed, and cleaned out.

It isn't really about what you did, it is about the Karma, the life lesson, the energy match you are drawing to you.

Play it too safe, and you do not live. Too loose, and you become splatted.
A strange balance to be sure. Some very stiff people need to learn to loosen up… but i suggest slowly. Some wild and reckless people need to learn to manage their risks. (not clamp down on doing anything dangerous)

These things are all connected.