I'll answer the first part of your post first. No, you haven't said anything offensive, so don't worry.
Shakti is sentient, yes, and all-pervasive, but it remains an energy that, at least with respect to the portion of it within us (the individual Atma), is nevertheless under the control of the individual consciousness. That's the realm of psychology, now, to decide what it is that makes villains and saints alike from the same mold of the innocent baby. It's not explained by the concept of Shakti, that is, there is no micromanaging Fate. There's just a general law, which lays certain 'paths' in front of the Atma, and it decides where to walk and at what pace and in what direction for what time, in the journey of each lifetime. Sticking to the 'truest' path, I.e, the one that is closest to the instinct or nature or Dharma, will minimize this. So goes the logic, and the extent of my ability to interpret it at this time and stage. I certainly don't think my actions are not my own, and that whatever I do is preordained by a string-puller entity. To put it simply, I will use a Spanish proverb:
"Take what you want", said God, "and pay for it."
The Atma is free, but the consequences of its actions are governed by the working of Shakti. It's more like a science: dissipate the energy and it takes longer to focus it back into the concentration necessary for its conversion into a purer form, and so ad infinitum until it is pure enough to rejoin Shakti. That's my interpretation, at the very least. To ask "why did this happen" will not elicit any answer from me. It happens because life happens, and because energy must keep changing and cannot be stagnant. Change, so to speak, is the only real constant in the working of Shakti.
The understanding of Shakti has been a question of Indic philosophy for time immemorial, and people far older and exponentially more knowledgeable that I have debated upon it for millennia. I am not possessed of greater comprehension of these matters at this point in time. Perhaps I myself can evolve my understanding with time and thought.
The point you make is indeed one of the ideas of Advaita, that the individual soul is the same as that of God, but in fragments and in imperfect form. That I cannot accept personally, for the reason I had told earlier: God is not impure or imperfect, and since we certainly are, we cannot be God Herself. We have the Shakti within us, but She herself can never be impure, rather it is our own minds which are. Which leads to the conclusion that our souls are different from, but ultimately become one with, Energy, in a cycle akin to the conversion of energy from one form to another, with each container or vessel offering a different amount of resistance and leading to different amounts of dissipation or wastage or impurity, until it eventually escapes as pure energy.
This is getting very long winded now, so let it suffice to say: I don't know.
Quite simply,I have not the knowledge to answer you, if you ask me the nature of Shakti. I have told you what I believe works, but anyone may have a different idea.
As for non-religious people in India, if that's what you mean, why, there are a great deal of atheists and agnostics, like in any of the other communities. There are also a huge number of people who have no faith or who have a blinkered one limited to lip-service, again like any other society. The level of spirituality in general is higher, though, owing the very culture of India, you can say, that has been alive for a very long time indeed. I owe my own spiritual connect to my upbringing and family, and of course that is probably unique.
I've rambled on too much. Make of it what you will. I'll answer the trolley bit later, if I can and if nobody else does in the meantime.