Think of fate is the rigid, inescapable aspect of a person's life that constrains the future. It yields a sense of doom and helplessness. There is this sense of fate in many great novels. Fate is also a concept that informs our understanding of our personal lives. But not only fate is important.
Chance is the surprising unexpected twist in time.
But I think this portrayal does injustice to the duality of our thought about change. Change can also seen as a connection of the future to the past and even to fate. And as therapists, we want our clients to have a sense of control, a sense of being able to act differently. But the ability to act differently requires appreciation of both fate and chance. These two concepts exist together, although hiding one another, first hiding chance, then hiding fate.