I like the way you posed your question.
And in my humble opinion I think you’re right. It’s both! As Rabbi Miller says, one should accept lovingly from HaShem – all while trying to better the circumstance. Through Tefillah, Teshuva and through physical means. It’s no ‘stira’, one is bidden to always improve his/her ‘matzav’ while at the same time knowing that what CANNOT be changed, is intended by HaShem for some specific reason. For our benefit.