That's actually a very good question. Moreover, if inflation really happened in the early universe, its almost impossible that the Higgs would have remained in

That's actually a very good question. Moreover, if inflation really happened in the early universe, its almost impossible that the Higgs would have remained in the metastable vacuum during that period. Thus only fine-tuning wouldn't be enough to explain our existence. More on this: https://arxiv.org/abs/1505.04825 https://arxiv.org/abs/1505.04825