It is by fate you have been saved (!?)
It’s a little unfortunate that the ‘th’ sound in English is comparatively rarely used in other languages. And so it would be far too easy to mis-hear Nigerian colleagues talking about “fate” rather than “faith”. There is a rather important difference of course. Sometimes the context or expectation makes things clear, but other times it doesn’t.
It reminds me of the time in 2001 I set out to buy ‘paint thinner’ in the town of Zuru, in NW Nigeria. I was entirely unsuccessful, but did eventually manage to describe what I was looking for and purchase ‘paint sinner’.