Point of View

I've been meaning to write something and here it is:
I'm reading this book named "Donyaie Sophie" which is a philosophical book written for youngsters. It talks about philosophy in a way that is not too complicated; however, I don't understand some parts. I've read about the most important philosophers in the history and their points of view. While reading it some questions occurred to me and I'd like to share them with you. Please help me out if you have any answers for them:
1. In some parts of the world nudity is not important; I mean they are not ashamed to wear whatever they please. Do you think this is because they were born in a society where these things aren't important or they too feel awkward when they wear such clothes? Is this shame acquired through the culture or is it innate?
2. Do you really think there is a God that has created this world and the human beings or was this world created accidentally?
3. Do you believe in fate? Is our destiny decided since we are born or does it change as we go on?

That's it for now.... I'd like to know what YOU think. We've all read about these questions and how some religions answer them but I'd like you to share YOUR point of view.