Thanks, Joigus, for the explanation and perspective. Now have a better feel for all of this. 1 billion years is , for most people, unimaginable. Much "chance" can happen. The quotes are meant to mean any type of random interaction, bumping, diffusion, functional groups linking, on and on. A better word than chance- perhaps exists. But you are right- life is still, such a mystery, although Biologists deserve much credit for their contribution to slowly unraveling the mystery. Their perspective so far has more credibility than others.
Many thanks for your reply, Studio. I thought, perhaps mistakenly, that the molecules of life (one example- DNA/RNA) require much investment of energy and organization- higher energy state(?). To me, disorder (stable system/environment) would disfavor that. I think Joigus clarified that a bit.