The Phospholipid bilayer is thought to have once been a single phospholipid layer, and phospholipids are fatty acids.
Fatty acids are relatively simple and sometimes naturally occurring chemicals. Because these molecules can have one end that is attracted to water, and another end that is repelled by water, they can form discrete layers, all facing the same way.
In my college biology course, the most current theories at the time were that naturally occurring acids, in conjunction with the action of water droplets forming and evaporating in certain environments, led to things like lipid layers which completely surrounded water molecules. Such layers would be permeable to other chemicals but would generally retain water.
As such, it was a non-organic and naturally occurring “blob” of water that could contain other chemicals.
By itself, that does nothing and is not life. But it is possible for such a thing to form naturally, without any biological process.
Within this protective layer, is possibly the only place on earth that the complex chemical reactions required by RNA and DNA-based life could safely happen, an environment which was at least somewhat naturally homeostatic.
Those blobs of acids and water, would serve as a vehicle for amino acids to interact.
Amino acids are also simple structures and are naturally occurring, simply because their structures are made of common chemicals found on earth, and they’re naturally capable of forming into those structures simply by being in proximity to one another.
Given a combination of amino acids which can form proteins and occur naturally, given non-organically formed fatty acid layers encased in water, and given enough time and exposure to different environments and chemicals, it’s possible a single chemical formed naturally that reacted to form more complex chemicals out of other amino acids to make proteins.
It’s still a far cry from being alive, because the chemical would also need to be able to replicate itself, as well as there would probably need to be some mechanism for generating lipid layers around the primordial cell.
However, even I can see where the building blocks of a cell could form independently, and then come together through non-organic processes. How that turns into nucleic acids and how the more complex elements of the cells formed, that involves a bit too much chemistry for me to follow it.
I’m not even sure I fully understand this layer of current theory, but to me, if you can explain where lipids come from, demonstrate how they form layers that are attracted to or repelled by water, demonstrate where amino acids come from, and put this all in an aqueous solution, I can see the basic building blocks coming together.
None of this spontaneously turns into life without some missing pieces, but it covers a lot of ground I thought was completely improbable before learning about it.