Why do some refer to life as a gift?

Seems like life is only a gift if you are rich, have a great family, perfect health etc.

What I see is people who are struggling, whether it be financially, mentally, physically etc
People are stressed, overworked and overwhelmed.

What's the "gift" in that?

I know someone is going to say, " but you are alive!".

My response: What's the point if every day is full of stress, and problems?