Science journalist: Europa, a moon of Jupiter, is covered with ice.
Conclusion
It's likely that at least primitive life has evolved on Europa.
Evidence
Life can evolve only in the presence of liquid water, and there seems to be liquid water on Europa.
Evaluate
This argument essentially works like this: Prem 1: In order to have X, you must have Y. Prem 2: Bob has Y. Conc: Bob likely has X.
We can see how silly this argument is by using a real world example: P1: In order to have an AMEX Black card, you must have a bank account. P2: Bob has a bank account. Conc: Bob probably has an AMEX Black card.
Just because you meet one requirement for an AMEX Black card doesn't mean you're suddenly likely to have one.
Your bank account might need to have a minimum balance of $100,000. You might need to have a credit score of at least 750.
Similarly, just because Europa has water doesn't mean it's more than half of the way to having life.
Maybe you also need proteins, amino acids, an ozone layer to filter out destructive layers of UV radiation, etc.
Goal
Look for an answer saying, "Just because Europa meets one of the requirements for life doesn't mean we get to immediately assume there's probably life there. There might be other requirements for life that we know Europa doesn't possess.