Life is rare. By objective measures it’s rare on Earth, and even rarer in other parts of the Solar System, and most likely non-existent. And this is in a Universe that is “fine tuned” just right to allow life.
I hate to differ, but that's not even close to being true.
Life is found in practically every place we've looked on this planet, including in boiling sulfur springs, and even within solid ice. Even rocks in the most barren places on our planet, have been found to contain microbial life.
Scientists refer to these lifeforms as 'extremeophiles'. Some environments on moons of other planets are even less inhospitable to life, as some on Earth that currently have life within them.