In Robin McKinley's book "Sunshine," a character expresses her skepticism about fate, emphasizing that she does not see it as a predetermined force in life. Instead, she acknowledges the influence of random events and accidents that contribute to the unfolding of life's circumstances. This perspective highlights a belief in agency and the ability to navigate through unexpected situations.

The character's view on "loopholes" suggests that finding opportunities in unforeseen challenges is crucial. This idea reflects a pragmatic approach to life, where one's choices and reactions to accidents can lead to meaningful outcomes, regardless of whether they were initially planned or not.