I think it depends on what type of relationship we have with our God or Higher Being.
Are you constantly aware of his presence, midly aware, or only aware when something happens- good or bad, that commnads you to take notice?
I think we use these terms to re-assure ourselves that there truly is someone up there, and He knows what we are going through, and even though we feel that we might not be able to bear our burdens, at least we do not bear them alone.
I can't really call it an excuse because for some religions, good and bad acts can be punishment and rewards for individual behaviors, so maybe the person was right.
I'm a fatalist myself, I recommend it for a stress-free existence.
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