The housing is already made. In the US there are more empty properties than homeless by multiple times.

Also food bearing trees were banned and only the pollen producing male trees are planted in public areas. Cultures used to have guilds for food forests where nobody had to do almost any work to get food, because forests do just fine without us and we found ways to just shift it towards making more food. Plus when you stop NEEDING to do work, people do what they are passionate about, and for some that is farming, or building stuff.

People don't need money motivating everything if the system was changed.