My own experience: Don't ever trust the Chinese government on issues that could potentially involve the reputation of the party. Note that I'm not saying don't trust what CCP says, ever (sometimes they actually do good things) - just not on issues that involve anything to do with how the world might perceive them.
Which is exactly what this issue is about.
That's not to say we have compelling evidence that this was a lab virus, either. I think, for me, it's a, "we don't know, but I wouldn't be shocked at all if it was a lab virus".
To answer your question: If NYC had a virus lab that actively mutated bat coronaviruses so that they could become infectious in humans, and then one day a human-infecting virus with 96% similarity to a bat coronavirus started popping up in New York City with no known origin… Yes, people would start asking questions about that lab.
Check out this commentary from 2015. This type of research was being subcontracted out to the Wuhan lab, despite public concerns that safety wasn’t tight enough there.
https://www.nature.com/news/engineered-bat-virus-stirs-debat...
I get that people don’t want to discriminate against China, but this is very clearly a hypothesis worth investigating further.