You're not in a mood for fate, but of course fate doesn't care. In some ways, this accident could be a stroke of luck. Think about who's really your friend. Reconsider your goals while you have the chance.
Not everyone will be in agreement with you, but the bottom line will be who is responsible and who isn't. If you can live with your decisions, don't let anyone bully you into changing.
You don't need to fake your way into or out of anything. The truly important things no longer scare you. Maybe you're just having a good day, or maybe this is a whole new mindset. Use whatever works for you.