ANSWER:
This kind of argument is not beneficial and can be illogical at times.
Allah has placed things according to their means which He had ordered us to follow and take.
Allah’s law is: you work hard, you win. You don’t work hard, you lose.
Therefore, one shouldn’t rely on destiny while he is not taking the necessary means for it. For example, don’t sit home as a single man and pray for a righteous child without getting married depending on destiny! This is insane!
However, when a calamity strikes, we say as a way of Consolation, this is Allah’s destiny.