Similarly, another famous little quantum fluctuation that programs you is the exact configuration of your DNA.
According to the standard model billions of years ago some little quantum fluctuation, perhaps a slightly lower density of matter, maybe right where we're sitting right now, caused our galaxy to start collapsing around here.
Because of my own experience with market fluctuation, I recognize the great risks one takes on investments. This converts the Social Security safety net into a risky proposition many cannot afford to take.
The success of ordinary cosmology speaks against the idea that the universe was created in a random fluctuation.