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There are around 1B houses on this planet. One average house (probably pretty low standard) therefore should cost around 0.02 XMR #Monero

Self-custodial Monero. Nothing debt or paper based.

Sir the hypothetical is not "if law required you to pay cash" but "if governments and financial institutions couldn't print money."

So, Monero? Very nearly the only cex that still lists it is Kraken US. And I would not be that surprised to see it go away there as well.

Yeah, Monero users already know the answer to that question. The delistings there made me only more optimistic about its future, and more confident in its relative price stability. OTOH, I wouldn't be surprised if Bitcoin's true price (i.e. removing the intense institutional pressure to rally greater fools into the NGU casino) is lower than Monero's.

Even then, since Kraken is KYC it defeats the whole purpose of using XMR.