@jwagner,
That which you take/borrow in life for personal use you give back when you get old, get sick, and die. Its a perfect balance zero sum. Yes.
You go, the product of your life, your information, sets one among many causal chains for the next generation ahead. I think of it like I think about conservation of mass. Death and suffering are a necessary ingredient for Value to arise. No risk no actual loss would render life meaningless and utterly boring.