I am sorry, but mortgages are not life... and mortgages exist. What life that did not exist before has been created in your lifetime? Anything?
It is debatable whether virus’ are living beings or not. But, what is the relevance that there are “billions of different viruses in the ocean?” I believe all matter and all life are creations of God...it is literally ridiculous to think that matter created itself or that life was created out of inorganic material. But, I am open to listen to where atheist evolutionists come up with their theory of life creation. I have never heard nor read any that can explain the beginning of life. All of them begin life being created from evolved life...which is really ridiculous if one thinks about it...so, back to my question...what is the theory for the creation of life without God and why are there not new life being created every day? Why not new something the size of a Beagle for instance? Or, something that can exist within fire, or something that can live in chlorine...something truly new? Not just a variation of something existing.
Nobody claims that the first life was anything the size of a beagle. If you're going to ask questions, you have to learn to listen to the answers rather than working on your next straw man. Your question makes as much sense asif I asked why Jesus didn't change my Brita pitcher into wine overnight.