I think people that rely on fate are simply not addressing the issue. They are hiding from it. Sure, there are plenty of things in life that you can't prepare for, and that does include getting shot. Even if you're armed it can happen. But there are plenty of things in life you can prepare for, and this is why we carry, have savings accounts, medical insurance, retirement plans, gas gauges, first aid kits, etc, etc. If she has any of these events prepared for, then she simply doesn't see the issue as being important enough to engage her interest.
IOW, it's a cop out.