Actually I'd rather start from a mud hut and then upgrade it myself than live in the current rental system, but I don't have that option because landlords own most of the land.

Housing prices certainly can get high, but they aren't anywhere close to a billion dollars, which is the actual number under discussion

Also note that we're 8 billion people living on a much higher average material living standard than when we were 2 billion 100 years ago.

It's racism that fuels this comparison with value. I'm living in a yurt and would gladly trade it for a mud hut. Humans are currently threatening most life (including our own species) on the surface with extinction in multiple ways. That's not value and it is an inevitable conclusion to any form of binary thinking at scale. That includes the thinking that says "this way of life has more value than that way of life." We're living in the curse of the Greeks, whereby we've grown away from connection with our environments in the same ways they did by pedestaling their ways, including a form of logic that's too constrained to model reality.

Here's a paper on uncertainty logic to expand from. https://arxiv.org/pdf/1506.03123