Asking why life exists in a universe where entropy never decreases is an interesting question that serious physicists have thought about. It's well within the purview of physics to try to explain life. OP may not have phrased his question well, but don't dismiss because it's a philosophical question (like that's a bad thing) or shower thought--physics exists to answer questions about the universe, not to do rote calculations. Maybe look at the biophysicists at top schools, like Jeremy England at MIT, if you want to get a picture of the state of the art in this area.
Some people do believe that life exists because it is very, very good at increasing the overall entropy of the universe. For a little bit of intuition about that, think about how much energy is lost as you walk through the food chain. Plants might only use 10% of the sun's energy, herbivores might only get 10% of the energy of the plants that they eat, and carnivores might get only 10% of the energy of the herbivores they eat. The rest is dispersed. And humans create a lot of entropy every day, even though we appear to be very ordered.
For reference, energy can be created or destroyed in general relativity. Cosmologists do need to care about this when thinking about the ultimate fate of the universe.
OP, I think you should read a good stat mech book so that you can sate your curiosity and phrase your questions in a better way. I recommend Sethna, because the book starts at the level of sophomore physics and ends at the level of current research topics in condensed matter. It has good discussions about entropy and interpretations of stat mech. The exercises cover a bunch of cool stuff, and if you attempt them then you'll probably be able to answer some of your questions yourself.
There's also a pretty good pop science book about all this: Into the Cool.