Life is a gift. It comes with its own packages and wrappings. The beauty of life is visible in how best we as human beings learn to unwrap these surprise packages. If one views life as a means to reach the higher power, then the gift would surely be a great boon.
However if one is filled with expectations of a wonderful gift, and one with lot of financial power, then the gift of life would be a disappointment. This is the reason life is a boon for some and a difficult rough path for others.