1. Oceans were absolutely saturated with reactive metal complexes, particularly including iron. A billion years later oxygen poisoning started, and it all oxidized and precipitated out, but life was established by then and (some) survived the catastrophe. So, the chemical environment was very different than is easy to reproduce today, and full of stuff that would have catalyzed all kinds of reactions that go very slowly without.
2. Oceans were also absolutely lousy with nucleic and amino acids, and random RNA sequences. An RNA that copies other RNAs it bumps into was nothing special, but when two of them bumped, suddenly in a (geological) eye-blink the entire ocean was teeming with their highly-optimized descendants, along with any other RNAs that proved helpful to have around. Natural selection was already hard at work, no cells or genes needed.
So that is the environment that life arose in, utterly unlike anything found anywhere today. Any random drop of water that got caught up in a membrane would be full of those RNAs that had proven most useful at copying, and also all those random catalytic metal complexes.
I gather that nowhere in the natural world do we find any cellular process that creates a membrane from scratch; all everywhere grow from bits pinched off from membranes already on hand. Arguably, what is really essential to species is being made of bits extended from the first membrane that wrapped enough replication machinery to do the whole process inside. It would need to have been better at allowing loose nucleic acids in than letting assembled RNAs out. Life is bags of water and stuff that pack the bag with catalyzed reaction products and can extend the bag as it fills up. When a lobe gets pinched off with enough stuff inside, off it goes.
Later there would be genes, and metabolism.