According to the second law of thermodynamics, the entropy of a closed system increases (or in energy terms, the Gibbs free energy decreases, or in temperature language, the temperature tends to the same value over the system).
This means that the intial state of the universe was a low entropy one. This question is about the problem how a gaseous hot state can be in a low entropy state. It is argued that because of gravity it's actually a low entropy state as compared to a state filled with black hole reservoirs.
Now the initial state was not a gas made up from neutral particles. It's made up of neutrons, neutrinos, protons, and electrons, all having a high kinetic energy.
In time, the low entropy state tends to higher entropy, be it because of gravity, the other three forces or expansion. You could say that exactly that evolution constitutes time. The Gibbs free energy is reduced, gravitation-induced structures arise (which, somewhat counterintuitively, increases the entropy), and life evolves.
It seems a pretty straightforward process. From low, to high entropy. The structured appearance that emerges in time seems to be at odds with the second law, but the total entropy still increases. I do not understand what the initial low entropy state problem is. Why is that a problem?