I'm going to go out on a limb here and suggest a radical new idea...
At the time of the Big Bang, all mathematical probabilities, all combinations and permutations, occurred at one and the same time.
With the creation of this universe, all possible things that might occur, occurred.
One of those things was the crystalline structure that became RNA, formed right at the beginning of the universe.
RNA then combined with other crystalline structures over billions of years to form the first rudimentary DNA and cells.
From there on, DNA acquired more information, became more complex and finally led to higher life forms.