I feel like destiny only exists as a word because of our afterthoughts on certain events. If you think about how the word might have come around, perhaps it was just a way to say "it was bound to happen". Then it was turned around to say "it IS bound to happen".
I do wonder if it is connected to the ancient Greek conception of the fates.
But I think in the modern sense it has to do with predestination, or determinism.
So given that, I don't think it has much utility, unless you're planning for the future in a certain way. A lot of this predestiniation rhetoric has been in politics, and usually its been associated with authoritarianism. Sometimes authoritarianism can be good to help defend a nation, but other times it's forged to crush dissent, in more than unpleasent ways.
But in other ways destiny is not something you escape if you are your own vehicle of destiny yourself. The feeling of the inability to escape or to not be able to ward off the inevitable just merely means you are not your own master. If you know who you are and what the world is, and if you understand what motives you, and thus other people as well since they are your own kin, you become to realize that the power to enact change rests in you and others.
I like this quote by Thich Nhat Hanh,
Enlightenment is when a wave realizes that it is the ocean.
He was a Vietnamese Buddhist activist, so it's unclear if he meant it in the sense of western enlightenment, or whether he means enlightenment in the sense of nirvana, but it helps to put into words of how agency is manifested through realization of it. I think destiny as a word could be used in a poor way to encompass the human experience.