This is the same as asking ``Why is gravity weaker than electromagnetism?'', or, more directly ``Why is an electron's mass 511 keV?''. There may not even BE an answer. This is more of a philosophical question, in some sense.
Suppose that there are an infinite string of universes (like the Ekpyrotic scenario, which I think you are familiar). Now, suppose each time a universe is created, the coupling constants and such are random values. Well, with an infinite string of universes, it should be no surprise to find values SOMEwhere that are similar to the values of things like masses that we observe here in our universe.
This is bordering on something called the anthropic principle. One can note that, without very specific values for fundamental constants in our universe, intelligent life would be impossible. (For example, if the cosmological constant were not small and positive, then the universe would expand too quickly for life to evolve, or it would collapse back on itself.) But because there is intelligent life, the fundamental constants have to be exactly as they are.
It is a circular argument, to be sure. And some people really hate it. I'm not such a huge fan myself.
Either way, you can either accept the anthropic principle, or accept the fact that there is some deeper theory which predicts things like masses of top quarks, like string theory.