The universe is more finely-tuned for the existence of black holes than it is for the existence of life. Black holes are numerous, can survive anywhere in the universe, and are an inevitable consequence of the laws of physics.
If every single star had a habitable planet around it then, by volume, 0.000,000,000,000,000,000,000,000,1% of the universe would be habitable by life as we know it.
As for human life, we can't survive on the majority of this planet, let alone the universe as a whole. Even in the places on this planet that we can survive we can't do so unaided; often needing, at the very least, clothes to avoid freezing to death or dying of heatstroke. I live in a relatively temperate climate and yet, given that my breath is visible, I think nobody would dispute that I couldn't be naked outside for very long before I needed to have some extremities amputated, at the very least.
But, of course, the biggest objection to the idea that the universe was created for our benefit is that that gets the chain of logic backwards. You would expect any life existing within a life-bearing environment to be suited to that environment. It is, in fact, impossible for it to be any other way. To borrow from Douglas Adams, it's like looking at a puddle and expressing wonderment that the hole it is in is "fine-tuned" exactly to the shape of the water within it. That life suits the environment it is in is not only a trivial, expected observation, but it's also exactly what you would expect of life which arose and evolved by natural processes.