Create table without schema prefix

oracle 19c

I am logging in as the schema user (PHX_dev). This user has RESOURCE role that means, it has create table privilege. it also have permission on user's default tablespace.

Issue:

• Getting an error, when I create a table without schema name. ORA-01031: insufficient privileges
• I am logged in as user - PHX_DEV

CREATE TABLE EMP_USER
(FNAME VARCHAR2(20),
LNAME VARCHAR2(20));

• But when I qualify the table name with schema name, it works. Why?
• I am logged in as user - PHX_DEV

CREATE TABLE PHX_DEV.EMP_USER
(FNAME VARCHAR2(20),
LNAME VARCHAR2(20));