Life is nothing more than a concept. Like time. Outside of our minds it has no meaning. Life is our cells deteriorating at a certain rate.
But I understand what your are getting at. And I have no faith in life. Pessimistic? Hardly. Life is what you make of it. Waiting for something good to come your way will get you know where. Step out and seize what it is you want. I do not believe in fate, but I believe in opportunity.