It isn't about "life". Its about observers.
How does a universe produce an observer?
I get how one might produce a human animal. But considering this from an abstract perspective, I would not expect a human animal to constitute an observer in any fundamental way more than a less intelligent animal or a rock.
All such subsets of a universe record and react to events, some just do it in a more sophisticated fashion.
That’s an interesting point, and not to minimize it or try to dismiss you, it doesn’t pertain to what we were talking about.