What we don't know is how an organism with no intelligence (cell), could develop code (DNA), archive it, rehydrate it and then parse and copy it like someone with intelligence.
Without getting too deep into it, it's just not convincing anymore to appeal to vast amounts of time and random chance to do something which is fundamentally within the realms of engineering.
The fact is, we don't know how these systems could have created themselves or been created abiogenesis. There are wildly different theories, but it's far from a closed case.
I used to think the same thing as you because that's all I was taught to think, but perhaps if you looked at what synthetic chemists think about abiogenesis you may find it interesting / informative to see what they have to say about the challenges involved in it. An interview with a synthetic organic chemist on the topic: youtube.com/watch?v=r4sP1E1Jd_Y
Imagine a big machine run by paper tape. On the tape are two possible holes. Punch one and feed it in, the machine makes a man. Punch the other, it makes a mouse.
Does the tape 'encode' the essence of 'human being'? (or even 'mouse'?) Of course not.
The machine is a vital part of the equation. Likewise, dna in a jar is just a molecule. It has to have a cell, evolved over a billion years, ready to make something of it.
So no self-assembly, no magic in the DNA.