We can't avoid it and just live according to a predetermined life line.

Everyone can make their own choices/decisions. No matter if you make good, bad or neutral decisions/choices, they are your own, and you can affect literally even millions of people. So it is not predetermined.

Likewise, when someone experiences bad things, it will be associated with past actions that result in karma.

Then I must have made something terrible (very bad) in one (or more) of my previous lives, because I experience bad things since I was born. But this is not true in my opinion. Probably my current life is my first life, and I admit that I indeed made terrible (very bad) things. I cannot explain most of them. Only God knows why. God see, feel and know everything.

For those who do not believe, of course, they will say that all actions will have consequences that must be accepted. Everything that happens is of course at the personal will of each person, because every human being is given the free will to determine his destiny.

There is free will, but there is no destinity. At least this is my opinion.

Have a nice day and have a nice weekend.
All the best. Greetings and much love from Hungary.