To me, it is a balance of both.
Life is definitely what happens to you. That alone is strikingly important, as much of it is not stuff you have any control over. You are quite literally a victim of most of life.
However, how you react to what you can control is also critical in dealing with it, in that you can identify things you can very much directly affect in some way.
Stoicism includes the ability and skills to tell the difference between the two, coping with the former as best as possible (to retain your mental health), and actively strategizing on how to deal with the latter as effectively as possible in order to minimize any negative outcome or maximize positive outcomes.
Not really a thing in Canada either. Bought a reasonably midrange ($600k) brand-new apartment back in 2006, it didn’t come with it. Also have never seen it in any other house that I’ve visited, except for the wealthy. And by that, I mean in a house that you would normally pay $4-8 million for. Which is certainly upper middle class where I am, but not overly wealthy.