I have heard about something similar to this, with membrane-like pockets forming under certain conditions--but I agree that it almost boggles the mind how something that was ultimately a collection of inert chemicals could become an organized, living thing, even one as simple as a bacterium. Genes, protien-ormation, and gene replication are really very complex processes. Yes, I do believe that life on Earth rose out of an evolutionary process--but I thnk that the huge step from collection of chemicals to living thing does indeed leave room for us to ponder a Creator. It's the same in cosmology: we belive there was a Big Bang--but where did the original singularity come from? That is something science isn't able to tell us.