This is a purely theoretical post for me as I am not a fate point user.
So the basic idea of fate points is that each character starts with a few fate points. You can spend a fate point to try and avoid a fatal wound by re-rolling a critical. You can earn fate points by extremely good role playing or by forcing the end of level boss to spend a fate point to save himself from you.
So spending a fate point is a big issue and gaining a fate point is a big issue.