Just like energy and entropy, it becomes harder to harvest efficiently. There's still just as much water, it's just not easily accessible. The difference between the water in your glass and the water in the cubic foot of earth after you spill your glass on it. You can't drink from the latter.
The water cycle does the collection for us (lakes, rivers, aquifers) but we're draining them faster than they can recharge, particularly problematic are the melting glaciers (in the Himalayas) and the aquifers:
Not exactly. Ocean water isn't usable without removing the salt and other solutes. When a lake or river dries up, it may lose its bedrock and therefore, even when it rains again, the river no longer holds water. So you end up with the water spread out over land, which is useless - because we don't have tree-like roots to just suck low density water out of the ground. We rely on large pools to be efficient.