Serendipity Finds You (2010)
paulbuchheit.blogspot.com
paulbuchheit.blogspot.com
First, everything is serendipity simply because there are just too many variables to solve for the equation of life. Serendipity is bound to happen and it is more common than one thinks.
Second, everything is planned even though there are so many variables involved because implicitly by the sum total of our actions, we knowingly or unknowingly fill those variables with known values and so what we think as a serendipitous experience is actually a planned experience that we unknowingly planned by the sum total of our actions until that point.
I like the first theory because it has an element of mysticism to it.
A.k.a. determinism. In your example, it wouldn't just be the sum total of our actions, but also the sum total of everyone else's actions.