If Naruto hadn't been who he was, then he wouldn't have been able to bond with Kurama, meaning the latter would have remained a double-edged sword. Or Naruto would have just died, when Kurama snacked up all his chakra, as he really didn't hold back with his initial KCM. If he'd been a fatalistic dick like Neji was, I doubt he'd ever have been able to win the loyalty of the other Tailed Beasts.
Also, Naruto (or Naruto and Nagato) were prophesied to be either save or destroy the world, so you can't really claim that Naruto was destined to save the world.
So I guess by the end of the manga you could say that Naruto had Aces in his hand, but it was due to him being who he was, and his own efforts, that he drew them in the first place.