On the contrary, Karma is like something entirely connected with our life. Like, the fruits that we cherish today, in our present life, is because of the good things or good deeds that we did in our previous life. For example, you have a friend who is rich and enjoys all the luxuries in life whereas you on the other side is limited to live such a lifestyle. This maybe because of your Karma, that is, your friend must have done something good in his/her previous life, and so God has blessed him/her with all the luxuries in life. While you on the other side didn't do much good in your previous life, and so God blessed you with what you deserved to get in this life.
I hope I was able to answer your thread effectively. In case, if I am incorrect somewhere in any of the point kept by me, the author of this thread and also the other authors who will comment on this thread are most welcome to correct me.
So, 100% effort is possible only by fate. Hence fate and action both are necessary in my opinion.
Honesty is the best policy.
Even we take all care required. We do hard work. We don't leave anything as unimportant. Even then if the results are not to our expectations. It is our fate,
All human beings will be doing some work. Knowingly or unknowingly we may be doing some unwanted acts. The effect of this is to be experienced by you. It may be in the same life or previous life, there is no choice for you except accepting the effect. This is Karma. It is always advisable to be good to others.
But thinking about our fate, we stop doing anything we can't progress in life. As told in Baghavatgita, do your work, don't expect any results. Results will follow,
Some say: " Keep doing your deeds with full honesty, it may be written in the fate that the wanted fruit would be obtained by the honest hard work.
Karma is a thing which we can manoeuvre. We can idle away our time or work hard and utilize each minute of it. We do not attempt any work thinking it may fail or we should attempt till we get success.
Only these things are in our control. It is said that hard work has no substitute. A person who works hard does not bother for his fate. He very well knows that fate is beyond our control.
Believing in Karma only is the way ahead.
Knowledge is power.
'Idhuvum Kadandhu Pogum "
Even this challenging situation would ease
'Real knowledge is to know the extent of one's ignorance'- Confucius