The correct option is C Incorrect = what, Correct = who
A pronoun replaces a noun that's been mentioned before, to avoid repetition. An interrogative pronoun helps ask a question as well as refers to the noun they stand for. The given question is rhetorical, it is not directed towards somebody, and is a general statement. The question has an error, "what" is the error, as it refers to a thing, whereas only a person can "know" something. The correct pronoun is 'who', which questions about a person, hence option B is correct. When a subject is singular, the verb that follows should be singular as well (known as the subject-verb agreement). Singular verbs end with an s, and plural verbs don't, for example 'she knows' and 'they know'. 'Who' refers to a single person, hence "knows" is correct, and option A is wrong. "Quirk of fate" is a phrase that means 'an unexpected turn of events', 'quirk' means a turn, hence the plural form 'quirks' is not required, as it modifies 'fate'. Hence option C is incorrect. As the rhetorical question is not directed towards a particular person, 'their' is unnecessary here, 'their' is a possessive pronoun which does not modify 'quirk', but 'who', whereas 'the' is the required article that modifies 'quirk', hence option D is incorrect.