I would agree we just don't understand it yet. I think it is a real jump to conclusion with implications that outpace the assumption to assert everything is determined. You might as well become a practicing Calvinist. No need to apologize. The core of what I am getting at is we really do not know enough, or at least that agency is too complex and nuanced a concept with wide-ranging ethical bearing to settle on the stance there is no free will because all is pre-determined. Frankly, I feel the belief is not just pessimistic and ethically problematic, but a bit lazy.