You know it's weird, I was just wondering about this, not that I believe in fate mind you. And I don't like usage of the word 'universe' when used to mean anything other than the universe which encompasses everything that exists in space and time. Perhaps there's a better word than universe to explain what you mean? Perhaps Creator, God, Destiny, Fate etc are better words? Or how about the Conscious Universe? Something to distinguish it from the traditional concept of a universe.
Do you believe people have free will, or are there certain events which are destined to happen? If there are certian events which are destined to happen in one's life, will the Converse (Conscious Universe) ensure that those events happen, against one's free will if necessary?