Indeed. To suggest that the universe was finely tuned requires that there was a fine tuner. Some sort of being or force that intentionally set the universe to allow humans to exist. That we are an intended outcome of an event or being capable of altering the state of the universe itself.
That is an unacceptable level of arrogance and narcissism. That isn't science.
That's good because no one is suggesting that. What cosmologists are trying to explain is why the universe appears to be fine-tuned, which, of course, is different than claiming the universe IS fine-tuned. There are many different theories that would explain prima facie fine-tuning that don't invoke a fine-tuner: a multiverse, a cyclical universe, some GUT that allows us to derive the values of the constants.
Inflationary theory resulting in a multiverse of universes with random physical constant values is the leading theory.