Actually, I see that question quite a bit, and haven't ever had too much trouble with it.
The universe is not tuned to our specifications, with our well being in mind. We are tuned to it's specifications, and have adapted to survive here.
Oh wait, here's a quote from the article that you linked which explains it better than I could.
Critics suggest that the fine-tuned universe assertion and the anthropic principle are essentially tautologies. The fine-tuned universe argument has also been criticized as an argument by lack of imagination because it assumes no other forms of life, based upon alternative biochemistry, are possible. In addition, critics argue that humans are adapted to the universe through the process of evolution, rather than the universe being adapted to humans. They also see it as an example of the logical flaw of hubris or anthropocentrism in its assertion that humans are the purpose of the universe."