That’s the point.
Funny, but extremely high altitudes of the atmosphere of Venus could fit the bill in the context of places in the Solar System. Temperatures and pressures are around room temperature and pressure there. The thick atmosphere of Venus provides some radiation protection, and water can be extracted from the clouds of sulfuric acid droplets there. You couldn't directly breathe the air, but oxygen could be produced in-situ, and bags full of breathable atmosphere would be buoyant, so you could easily suspend cloud cities there just by using the atmosphere inside the environment domes.
People who have been thinking about this are way ahead of you. There are plenty of minerals on the surface. We should be able to build remotely piloted mining equipment using phase change materials (like water) to shed heat. To cool the equipment off, we just haul it back to the high altitude base before the phase change material tank runs dry.
Also a very tiny amount of people are working on space right now (maybe 500,000 between NASA, SpaceX, Blue Origin, ESA, ISRO, JAXA, etc). That's 0.00625% of the world's population.