Time needed to make oil is different from the age of the source rock. You should not mix the two.
Oil made in formation as young as Pleistocene is possible.
Oil right at the surface is possible, and common. So what? Nobody who knows anything at all thinks the source of oil and the formation its in have much to do with each other.
Coal on the other hand cant be anywhere but in the rock in which it was formed. And it cant be any younger or older than that rock.
Do you btw know anything about what sort of plants make up the coal deposits?
..........oh and have you ever taken a historical geology course, or read a text?
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