I read this analogy in Richard Carrier's Sense and Goodness Without God
. This is paraphrased in my own words because I'm too tired to type out Carrier's. I'll have this book on me at all times, so if you see me and want to read his (superior) wording, let me know.
In this universe, 99% of the matter goes towards making black holes. There are more black holes in this universe than grains of sand on the Earth. Black holes are the inevitable result of the physics of the universe, while life is very difficult to get started and very frail once it has been started. We barely manage to get along on this planet (which will be melted by the Sun or by Stellar Radiation in a relatively very short time). 99.9999% of space is a vacuum, which is positively lethal to life. However, black holes thrive in a vacuum.
If you want to talk about what this universe looks custom-made to do, it looks like it was designed to produce black holes, not life. To that extent, we are like a flea trapped in an air bubble at the bottom of the ocean. We will die in very short order (unless we take matters into our own hands). In the meantime, we can see all the fish swimming about.
At this point one must ask themself whether Neptune crafted the sea for the fish or for the flea.