Can you stray from the security blanket of your economic jargon and address the question? You're talking about "borrowing money from humanity." Last time I checked, if you go to the bank to borrow money, you have to have a bank account. So banks have to recognize individuals or corporations as being legally entitled to participate in the economy. If a dog tried to borrow money, the bank would say no, that's not the right sort of entity.

So where is Humanity's bank account? Humanity is a biological category and an abstraction. But once that vast bank account exists, because of an historic revolution in which we set aside our national and tribal differences and come together for a grand, moral purpose, would unscrupulous folks nevertheless try to hack into that account? Who would represent Humanity, and could they be corrupted? Or is the revolution you're presupposing a utopian affair?

Where's the fallacy in those elementary questions? Be forewarned that a repetition of your economic mantras likely won't count as a valid response to these more philosophical concerns.