Springing from a video by James Tour:
I get the impression that people think 'chance' is a process, or a mechanism.
No.
As JT points out in other words, chance is the probability assessment of some real-life process or mechanism.
If you even want to consider chance in life-sciences, you have to apply it to a something that has known possibility of occurring. It doesn't apply to non-mechanisms. So, first explain the chemical mechanism for the origin of the DNA-RNA system and its immaterial code, then the mechanism for the formation of chemical systems, then the coalescing of chemical systems into the functioning meta-system of the cell. You have to have the mechanisms, otherwise there's nothing to evaluate probabilistically, so 'chance' is inapplicable. All you have is fantasy!
