Fate is a cosmic force that makes sure what is supposed to happen, happens. It is not one set path — it is all the possibilities added together. Ending things is one of its most important functions.
Fate is not the bottom layer. It runs on older structures that have been working since the beginning of everything.
Fate is not a currency. It is a mechanism of actualization: it makes things real. It cannot be spent or paid.
Free will's most important job is your ability to change your own fate, whether or not you know what you are doing.