You seem to be trapped in the status quo, as if it were a law of nature. There are no self-regulating markets, as economists claim. What you’re presenting here as inevitable isn’t real. It’s simply an expression of an ideology that you mistake for reality.
There are people who live in houses, and there are also people who build them. There is simply no “real estate god” who is anything other than a human being.
You might think that’s naive, but if you think that way, aren’t you also saying that climate change is an unavoidable catastrophe? That puts you no longer in the camp of rationality, but in the realm of theology—namely, the inevitable Last Judgment, the end of the world, and all that nonsense.
What I’m getting at is this: The biggest lie that economics has ever come up with is that it’s science—it isn’t. Based on the theories it pursues, it’s at best a social science that has already been largely disproved.