Which brings us back, in an amusing way, to the problem of God. It's no good just to assert that no such thing exists, or that you're more interested in a philosophy of rent paying. An assertion is not an argument It is precisely because people fail to achieve a solid grasp of life's fundamental questions, that they become tempted to believe in the Big Ghost. Opposition, loss, failure, disgrace and, presto, another convert to modern Ghostianity. Failed at reasoning, they flock to faith.
Philosophy indeed has no answer for that one.
There is no why, except the rather uninspiring fact that evolution happened to favor your line of descent. Similarly, there is no why to explain the human race or the universe itself. It simply is. Perhaps we are asking the wrong question. This seems much more appropriate than wailing about the fact that A is A, and existence exists.