For instance, if you try to stack your shipping containers any way but "directly square on top of each other, bordered by other shipping containers", you need to start over from scratch. All of those fancy stacks with one container crossing or bridging another come with lots of additional structural engineering to create the impression of whimsy. Or if you cut a big hole in one side of a shipping container to create a nice big picture window, whoops, you've destroyed the integrity of the container. Or you try to stack too much weight in the center of the top of the container, and no, that doesn't work either because the weight is supposed to be transmitted through the corners and sides.
You can do that to anything, even cardboard boxes taken out of the dumpster. That doesn't mean they are adequate living spaces.
If you do want to use a plasma cutter (which I admit would be a more pleasant way of doing the job), you can rent a good one for a couple of hundred bucks a week, or buy a crap one at Lowes or Home Depot for $200-300.