In my study of both Judaism and the yogic tradition, what you described is NOT the intention.
Free will (fundamental to religion) means our choices matter. I am equally "capable" of helping or hurting someone. I realize I can do either, but I know which one resonates with me deeply and which one is abhorrent.
All religion in its pure form is empowering people to grow and change for the better. Stagnation you are talking about is real, but those people are missing the point I fear.
That's quite the stretch.
Most of the largest pseudo-monotheistic mythologise effectively preclude free will by virtue of their various predestination fables.
Free will does suggest that all prophets are making educated guesses, rather than receiving divine insight into future events. In Christian mythology there's the classic Matthew 26:21 bit that atheists like to point out in any discussion about free will (or lack of).
I don't have any insight into the texts of the other two large organised religions, but I'm sure there's a some number of distant predictions in those that stretch the 'everyone has free will' claim.
The best way to describe the difference is through a parable that's often told - the man who is stuck on his roof top during a flood. The man is stuck on top of his roof, praying to God that he should be saved from the rising water. A series of first responders arrive, by boat, by helicopter, etc; the man waves them all off, saying "God will save me".
After the man drowns, he meets God in anger, saying "why did you not save me?" God replies, "I sent a boat and a helicopter.. what more do you expect?"
The message I get from this parable is that your life experiences are far from pre-ordained, and that you are not hopelessly dependent on some other higher power for your welfare. Exactly the opposite! You must seize the opportunities you're given and grow to appreciate and nurture the natural abilities you have in order to live a fulfilling life.
Please don't take this as a "Gotcha" question, it's just something I've always wondered
As far as your question, I would recommend reading Viktor Frankl’s book A Mans Search for Meaning. It’s powerful as any book you’ll ever read and give you an insight to how at least one person persevered through the most horrific of circumstances.
The thing that worries me about the all powerful father figure who has a plan for you and that plan is objectively good (no matter what), is that it trivializes causation. There are plenty of people in my family that refuse to learn from life experiences or try new things because "the plan" is already set in stone, and it is good (by definition) so why change anything?