天意 is not typically used for trivial, everyday matters. It's reserved for moments of reflection on significant life events. Its tone is often philosophical, resigned, or awe-filled.
In Resignation and Acceptance: When something uncontrollable and unfortunate happens (e.g., a business fails despite best efforts, a natural disaster strikes), a person might sigh and say, “这都是天意” (This is all Heaven's will). This isn't just giving up; it's a way of finding peace and moving on by acknowledging that some things are out of one's hands.
In Serendipity and Romance: When a wonderful, improbable event occurs, like meeting a soulmate in the most unlikely way, it can be described as 天意. It implies that the universe conspired to bring them together. This is closely related to the concept of 缘分 (yuánfèn).
Connotation: The connotation is generally neutral and philosophical. It can be used for both positive and negative outcomes, but it always elevates the situation beyond mere “good luck” (好运, hǎoyùn) or “bad luck” (坏运, huàiyùn). It suggests there is a deeper meaning or lesson to be learned.