Fate typically refers to the necessary outcome as dictated by universal causal (yes, causal) laws while destiney typically holds a much more superstisious presence....

It sounds like you are a bit of a Compatibilist. YOu acknowledge that the universe may very well be dictated by causal laws, that you amy or may not have a choice in action. But you also seem to recognise a general acceptation of that doctrine would devestate society therefore you propagate the idea of determined free will. Or the act of choosing requires free will, even if your choice was predetermined.

I dunno, I kinda see it like that. I could go into more depth but I'm outta budha and cant focus.