An [earlier question](https://japanese.stackexchange.com/questions/78350/what-
function-does-%e3%81%ab-serve-in-the-following-sentence) on JP.SE asked about
the usage of the particle「に」for what seemed to be attribution or possession,
but I wasn't sure if those were 'official' uses of「に」and I decided to do some
digging. I found an explanation on the sentence structure
[NにNがあります／います](http://www.coelang.tufs.ac.jp/mt/ja/gmod/contents/explanation/006.html)
where「に」links back to a location where something or someone exists. Scrolling
down for alternative uses, I found the following explanation
for「Nがあります／Nがいます」in particular:

> **余裕があれば**
>
> 「Nがあります」「Nがいます」の形で、 _所有の意味_ を表わします。
>
> 「太郎さんには子どもがいます。」

I interpreted this as "Using「Nがあります」or「Nがいます」indicates a _notion of
possession_." However, I'm not quite sure as to what「余裕があれば」means in this
context. Maybe something like **for those who want to learn more** or
something?

If this is indeed the right interpretation, are these cases inherently implied
to follow the「NにNがあります／います」pattern, i.e. is it just a fixed pattern such as
「～は～が～」or is there a more explicit motivation for the usage of「に」in this
sense? Or, alternatively, is it unrelated to the initial「に」but more of a use
case particular to「が」(this seems unlikely)?
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grammar usage particles particle-に particle-が
Intuitive way to justify this usage of「に」