I really don't understand what the big deal is with the apparent 'fine tuning'

I really don't understand what the big deal is with the apparent 'fine tuning' of the constants of the universe, or even if 'fine tuning' is even apparent! The conditions have to be just right for life to emerge, sure, but so what? Conditions have to be just right for many things in the universe to occur, but we don't always suspect an outside agent as responsible for setting them up that way just so they'll happen. Is this the final refuge of the 'god of the gaps' habit the humans tend to fall in to? I also don't get the need for a multiverse theory either. To me it's a bit like saying, because I rolled a six on a die there must be five others each rolling the other possible numbers in order to explain it. Okay, much bigger die....

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