Destiny does not exist, only what we make it.... more or less like this was a sentence from the movie Terminator, I always remember it, when I saw it decades ago.
Life is just a set of decisions we make, according to these will be the results, without action there is no magic wand. If we want to change our future we must act accordingly and shape it ourselves.
Most people make bad decisions, or none at all; both situations often lead to suboptimal results.
You are right. And those who don't take any then complain.