
What do you mean by 'finely-tuned' for life?
"Fine-tuning" in physics is an undesirable description of a theory. It is a statement that of all of the possible values for a parameter to take (like the strength of gravity, for instance), it just happened to take a specific value that gives a universe with properties unlike those if the value was only slightly different.
To give an example, one might make an argument that the Earth is finely-tuned for life. We're just the right distance from the sun, with just the right amount of atmosphere, just the right composition of that atmosphere, and so on and so forth. But we understand that this isn't really that surprising at all: sure, it is possible that Earth-like planets may be rare, but that is of no consequence, because we wouldn't be here if the Earth wasn't finely-tuned for life! Any planet with intelligent life on it must necessarily observe that planet to be conducive to life, independent of the rarity of such planets.
Similarly, one can make arguments about things like the strengths of the electromagnetic, strong, weak, and gravitational forces, as well as the masses of fundamental particles are all finely-tuned for life. You could go on and through a number of different numbers in physics which we don't really understand: tweak any of them and we just won't see life emerge.
But is this surprising? And how can we know this is true? Just because we don't yet understand why something takes a particular value doesn't mean that we should say it's somehow magical that it does take that value. We should search and see if we can find a reason for it to take that value. And what's more, while changing some of these numbers might make life as we know it impossible, why couldn't there exist some other type of life that lives under the influence of different natural laws?
Another line of reasoning is simply that just like we aren't surprised that we live on the Earth instead of a planet like Mars, since we can't live on Mars, it is plausible that there are many universes, perhaps an infinite number of them, all with different values of these parameters, and we observe the ones that we do observe as being tuned for life not because the parameters are tuned for life, but rather because the universe as a whole tried
everything, and we just observe a universe in which we can exist. This is an anthropic argument, and I personally think it's too premature to attempt to use anthropic arguments, as we still have the possibility of discovering mechanisms that can explain many of these things.