the life on earth is built to live in the universe that exists.

Good point. If this universe weren't just perfect for us to exist we wouldn't be here to marvel at how perfect it was for us to exist.

On the other hand, other comments that with just some minor changes in some very fundamental constants, atoms, even subatomic particles, couldn't exist carry some weight, too. See Just Six Numbers by Martin J. Rees.

But on the third hand, if things were just that little bit different, perhaps there would be completely different subatomic particles, and we would be beings of some completely different nature that we can't begin to comprehend, marveling at the fact that if the basic constants were just a little bit different we wouldn't exist.

What it boils down to, as far as I'm concerned, is that the universe is neither compelled nor constrained by our imagination or lack of imagination.