Below is a picture of Mount Rushmore. Four faces were carved out of solid rock. It was caused by a process of time and chance. Over the course of many years, wind, rain and blowing sand carved the faces in the rock:
That sounds ridiculous, right? But, many people believe that the men who carved the faces in the rock were a the product of a process of time and chance. I myself believed it for many years.
A living thing is much more complex that a rock. It should sound just as ridiculous to say that life began by a process of time and chance.
In the beginning God created the heavens and the earth. Genesis 1:1
(From this website page)