Yes a person has a choice but in a limited manner (its not an unlimited choice) & yes the person is responsible for his/her deeds at the end. If someone has haram/halal food in front of them & they choose haram saying that its in their “kismat” then its wrong. They have a choice to make & will be held accountable for it.
True; an example here…one is told to go out & work hard for ‘rizk’ & not sit at home waiting for it to drop in the lap. And even after working hard whatever one gets is whatever was written in ‘kismat’. We are told to do our part but in the end ‘wohi hota hay jo Allah chah-ta hay’