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Complete chance? Yes. That's a form of deus ex machina, where something outside the hero/ine's actions swoops in at the end to save the day. If something arbitrary outside the plot advances it with...
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#4: Attribution notice removed
Source: https://writers.stackexchange.com/a/26383 License name: CC BY-SA 3.0 License URL: https://creativecommons.org/licenses/by-sa/3.0/
#3: Attribution notice added
Source: https://writers.stackexchange.com/a/26383 License name: CC BY-SA 3.0 License URL: https://creativecommons.org/licenses/by-sa/3.0/
#2: Initial revision
_Complete_ chance? Yes. That's a form of _deus ex machina,_ where something outside the hero/ine's actions swoops in at the end to save the day. If something arbitrary outside the plot advances it without the hero's actions, that's poor storytelling. So how do you fix that? You already did: > Well actually with that one the reasons the Chart of Sinners is there is actually very extensive. It's got a reason for how it's just lying on the pavement (not a stupid backstory, it's a disaster that actually happens within the book) Then make sure that the reader _learns_ those reasons. My instinct would be to say "do it by the midpoint of the book," unless there's a plot-related reason why you need to wait until near the end to reveal it. For "just happens to encounter Old Wise Dude," and similar Oh Gosh Coincidences, do the same thing: _create_ a reason or backstory. The Old Wise Dude was told a prophecy in his youth that he needed to be in that spot on that day. The MacGuffin is sent to the hero by someone whom the hero doesn't encounter until the one-third point. The heroine's parents have been in touch with the headmistress of the mage school since she was born, and the headmistress has just been waiting for her Nth birthday to send an acceptance letter. And so on. Outside forces can act to present the hero with the opportunity to kick off the plot, and make it _look_ like chance, but the reader has to learn later that it was in fact engineered.