It's not inane. It's a vexing problem. If certain physical constants differed by even a percentage point from their measured values, planets never could have formed from the cosmic dust, much less you and me. This is not a problem for young-Earth creationists, but for everyone else it is a real conundrum. And I would say it's a bigger problem for strict atheists than for anyone else.
And no, it's not a problem, it's an "unknowable": unknowables are not necessarily "problems".