That certainly doesn't make much sense, but it's neither the way the question evolved historically nor the way people reason about it now.
Historically, the fine-tuning question has existed for at least decades in various forms. In some cases during the development of the standard model of particle physics, tunings did turn out to have an explanation that was discovered later (not a multiverse, but a dynamical mechanism of the sort I referred to in my third option). So this way of thinking does have a track record of success.
The current situation is roughly this - among other tunings, observation indicates that the cosmological constant is not zero, but has a value that is smaller than its "natural" value by 123 orders of magnitude. Here "natural" refers to the value one predicts using standard quantum field theory with generic values for the parameters (for example, all dimensionless coupling constants chosen with a uniform distribution between 0 and their strong coupling value). So why is the cosmological constant so small? I think that's very clearly a scientific question, and as I said before there are two possibilites:
(1) The value is unique (in which case, why?), or
(2) The value is not unique and varies, in which case it probably takes the value it does in our part of the universe because larger values are incompatible with life.
The value of the CC was predicted by Steven Weinberg well before it was measured, using the logic of (2). To repeat: this logic led to a falsifiable prediction - one that by the way essentially no one at the time believed or took seriously, despite the scientific eminence of its author - that was later confirmed by observation. Luck? Maybe, but to dismiss it out of personal prejudice is not scientific.