If everything was preordained, there would be no purpose or justice to our struggle. When adversity strikes, it is not intended that we sit back with a fatalistic attitude and not fight to improve the situation by making on-site changes. During our lives all of us will experience opportunities for change that involve risk. These occasions may come at inconvenient times. We may not act upon them, but the challenge is there for us. The purpose of reincarnation is the exercise of free will. Without this ability, we would be impotent creatures indeed.