Most people are too worried about the problems of today to visualize their destiny. Thinking about problems only brings more problems. If you want to master your destiny, then you have to start visualizing your destiny. How does the destiny you want feel, look, smell, taste like? What emotions are aroused?
Listen to successful people, people who are champions in their field, people who get what they want. They will tell you visualizing is a key tool. 99% of the "work" to success and de facto your destiny/future is mental, not physical.
So the answer is most people are not masters of their destiny, but if you want to be, you can be.