Its not unusual to hear of governments and terror groups spending money on labs to create their own 'bio-terrorism'.

In fact the U.S. and Chinese governments have long experimented with bio-technology warfare. So this claim is not beyond belief.

But...
We also know there are millions of diseases carried by animals that can - in very rare circumstances - jump to humans. This has happened numerous times over history. HIV, Ebola, Zika, SARS, Zika, MERS - are all types of viruses that came from wild animals and spread to humans.

Moreover, we also know there are several different types of Coronaviruses, and Covid-19 is from that family. On particular type of Coronavirus just gives us a runny nose, for example.

Scientists also know genome sequence to Covid-19, which was published openly by Chinese scientists and has since been verified by scientists all over the world.

That said, a group of scientists specifically looked into whether there was any chance Covid-19 was created in a lab. They found it had evolved naturally. Here is a link to the paper.

The key quote: "By comparing the available genome sequence data for known coronavirus strains, we can firmly determine that SARS-CoV-2 originated through natural processes" - wrote Kristian Andersen, PhD, an associate professor of immunology and microbiology at Scripps Research and c-author on the paper.

More: New Scientist and on Science News.

So why are people saying this?
Fears of bio-terrorism are natural and it is not beyond the realm of possibility to create a virus in a lab.

Moreover, the Chinese government is notoriously secretive and covered up the spread of Covid-19 until it became too big.

But in this case it looks highly unlikely it was created in a lab.