As far as this "result of natural forces" theory is concerned I can see why you would reffer to Bombadil as such and as I stated above I can also well think of Ungoliant as another such result as well.
Indeed there is no clear proof for this, however, in absence of any other better thery for her origin I personally also share Gwathagor's opinion.
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“The invisible and the non-existent look very much alike.”
Delos B. McKown
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