Exactly.
We have found complex organic compounds formed naturally throughout the solar system. From this people take the leap that life must also be common.
We can also create complex organic compounds from base elements in a laboratory. But no one has ever figured out how to turn the most complex organic compounds into even the simplest form of living microbial life.
That jump required either an intelligence far greater than ours or trillions upon trillions of random occurrences that we cannot yet figure out.
We’ve only been studying the issue for a few decades. Making pretty good progress on it, actually...