(2) seems like the key one to me. We seem to actually be quite "lucky" (in the short term) that it took a epochal hot minute for something to evolve to consume dead life so it could just accumulate to such a degree that we now burn like, trillions of ancient dead microorganisms to drive around the block.
1) plankton or something plankton-like develops and generates a lot of biomass, and
2) its remains aren't dispersed or digested by other organisms, and
3) it has time to turn into petroleum, and
4) all of this happens far enough ahead of intelligent life so that it's ready when they need it, and in sufficient quantity to bother.
You could build a "Drake equation" model about how likely this is, and maybe it's pretty likely, but it's not inevitable.