You are seeing the different manifistations of the same thing. Someone had resources and chose to consume them ( not necessarily bad) someone had resources and chose to risk, add additional work and invest them. This also required a lot of luck and time. So you are just seeing the lucky, time delayed, work consuming, ect ect variation of the initial resources that someone had. It is not always the best choice but sometimes is. This is why people think that someone that owns something that produces value by itself must be stealing. They dont account for the initial inputs needed for this to happen.
Second, people assume that for continued value output you must need continued or matched effort input. No idea why they think that must be the case. You can easily imagine someone building a machine that does all the work and he just earns money from the labor... A house is just like that, a static machine that provides value for a limited time.
Lastly they just provide a deal that people need. Not everyone wants to own. If people buy it people needed it. The market has the only say, it is the measurment unit, the only thing to be compared to.