I think neither one.
I do not think that we lead predestined lives, nor do I think every choice we make stems from having free will. The choices of other people and/or governments, businesses, etc., can effect our choices in ways we could not have foreseen. I think that to be pure free will, there has to also be knowing everything that will impact our choices so that we can make the best or worst ones, depending upon our situations.
We have individual differences that make our choices, if given the same ones, be different. Our subconscious mind effects our choices. The unknown and unknowable effects our choices. Changes in our brains effect our choices - from addictions to cocaine and heroin, to diseases, to experiences, to our perceptions.
If I trace back someone's addiction to cocaine, assuming I know them well enough, I can usually spot their breaking point in their narrative of their life. At the time, they were not in the position to refuse to try cocaine to lessen their pain. They did not have other options. And why not? Because the person who has the most choices regarding many of life's problems, is the one who has plenty of money.
What do the poorest do, why can't they get free mental health care, or free legal services? All that free stuff! Trouble is, it isn't always available, and it doesn't seem to me to be handled by the most trained and dedicated professionals. Usually the professionals are overworked, and in mental health they are insufficiently trained. Lawyers have too many cases, too, and there is no way they can do justice to each client. They are often in the position of just processing cases. That's what happens when a public lawyer is in charge of 100 cases or more. There is no one to hand some of them off to. Also, these professionals get paid very little. Too few people are willing to work for such a pittance, unless they have an additional way to pay their bills. Being a professional who works for the poor is no a very respected occupation. There are plenty of their colleagues who figure only people who can't get good jobs do that sort of work.
Having plenty of money is the key to having more choices, is all I'm saying. But no matter what, I don't see how not having the full picture of what will impact those choices, can be called free will. Having predestined lives smacks of us being robots. I've only heard of predestination in a religious setting, and I think it is a bunch of hooey.
As for the if it's meant to be line of thought, my question is who means it to be? And what does it say about them if what is meant to be is tragic, or given to the exact wrong person to have it? It is especially beyond my ken how someone can say "it was meant to be" to a grieving person.