My simplified take of the early Universe, and the formation of rotating, orbiting bodies is this:
When an explosion occurs, eddies and vortices form all over the place due to turbulence. It's just that, for us, these little swirls here and there are the size of galaxies, and on a smaller scale within them, you had more little swirls of gas, which coalesced under gravity to form stars. Surrounding these stars were still more swirls, which coalesced to form planets.
Matter which happened to not be in a stable position already fell into the gravity well of the forming star. Matter which was in a stable position remained there. If you look at planetary systems, the vast majority of the mass is within the parent star, while the rest of the system is almost entirely empty space, with a few tiny planets here and there. In that sense, it sure looks like stable orbits are the exception, and not the rule - the mass prefers to lump itself together.
That example is kind of similar to how people say "Earth is perfect for life."
Some of this which follows is very roughly paraphrasing Neil deGrasse Tyson, (I'd post the video if I could find it), interwoven with some of my own thoughts:
If I dropped you butt-naked just about anywhere on this planet, you'd be dead in 24hrs.
1) About 70% of the planet is ocean, so you'd probably drown.
2) Antarctica's out, as well as a lot of extreme latitudes - you'd freeze solid in a hurry.
3) Too hot, or too little water.
4) Something would try to eat you.
And, in the history of the planet, 99%+ of all species that ever existed are now gone, erased from existence. Plus, life only comprises a thin film on the planet's crust. Most of the planet's volume is utterly uninhabitable.
This planet, and the surrounding solar system, are not at all friendly to life. It has to struggle and constantly adapt just so that it can even continue to exist. Life even has to continually renew itself through reproduction, simply because exposure to this environment erodes away basic components of every cell. Throughout your entire life, the Universe is trying to kill you.