There is the point that how wealthy the competing humans are is also a major factor. But you're trying to bypass an argument about resource scarcity by pretending that resources aren't scarce. If you follow that path to its logical conclusion you're probably going to end up in a very confusing world because then it won't make sense why everyone doesn't just get a house (if someone can't afford a house, why not just upskill and learn how to build one? It isn't that hard and there are a lot of people who don't own a house but really want one and are more than happy to work for the privilege).