as a born christain i was taught to obey only wats in the bible and not wat one prophet or man of God said because anything human leads to confusion there is no where in the bible were God said all things that happened are destined. then who is the author of all destinies if was not stated in the bible.People fail in life becoz they giveup on their pursuit too easily .i agree with you that hardwork alone is not enough to make you rich but do you remember this slogan workhard and work smart. the pursuit for riches and wealth or success is like searching for a lost key in a room as far as they key is in the room keep searching tirelessly you will surely find the key. life is a jungle believe it or not it is the survival of the fittest.if you are too weak to partake in the struggle then get ready to settle for less.if you still believe in fate or destiny no problem continue but remember if you fail in life nobody will blame your destiny or fate it is you they will blame have you seen where poor kids are blaming their broke parents .do you ever hear them call God or destiny or fate its the parents who take the blame my opinion though....