What is a house worth?

I was thinking about how we will all be working for the rest of our lives to pay for the monthly bill of rent or mortgage just to have simple shelter. So then I wondered, what are we really paying for?
And using a house boat as a reference, you can get an idea of what that monthly bill is actually paying for.
If you bought a large 2br 2 ba. houseboat, and then bought an equally sized house. The differences are:

1. The land is free on a boat, because nobody wants water, but the land on a house is expensive because of supply and demand.
2. The boat depreciates with age while a house appreciates over time.
3. The boat requires maintenance but no less than a house.
4. The taxes are less on a boat(half that of a car).
5. There is skilled labor involved in constructing a house or a boat, but boats loose that value while houses add that value.

So in the end you are paying for exclusive rights to a particular 3-dimensional space when living on land, and so you are paying mostly just to exist in a high demand area, because otherwise the houses material value, and skilled labor value, would depreciate in the same way that boats do.

So if you're smart you should construct your own house using free or self bought materials, in an area where there is high supply and no demand for the land(water or mountains or cold). And also go to where you don't have to pay taxes and live under building codes(Alaska or water or in a landlocked/unvisited area). You can make a house better than code easier anyway. This way you won't get stuck paying that 800$ monthly bill for the rest of your life, like the rest of us, and instead spend that money on actual products and services instead of paying forever for the imaginary worth of 3-d space.

Why not work for yourself 8 hours a day building your own house, instead of working to pay the bank that actually owns your house.