What role does fate play in the life of Moll Flanders?

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http://www.123helpme.com/view.asp?id=6008

She explains that she was a mere victim of circumstance and that there was little choice in her acts. Is this not more comforting for Moll and the reader? Yes Moll lives in constant penitence, that is when she is not committing crimes, but she also has a way of constructing the situation so it seems almost unavoidable. This is the way the human mind works. We are not completely at fault all the time for our wrongs, surely we would all go mad if this were the case.

I have copied the extract, but I don´t understand the conclusion

Crimes are unavoidable, Moll has little choice. is this an ironic comment.?? Moll is just trying to excuse herself.

and then continues and expose the opposite point : We are not completely at fault all the time for our wrongs, we would mad.

it seems it conclude Mol actions are predetermined by fate.

What is the conclusion