إِنَّ الْإِنْسَانَ لَفِي خُسْرٍ
Surely humankind is in loss. (al-ʿAṣr 103:2)
Here “الإنسان” does not point to one particular person. The general judgment, followed by the exception for those who believe and act rightly, makes the comprehensive scope evident. The article therefore participates in istighrāq—reference covering the relevant individuals.
To evoke a kind and to state a judgment about every member of that kind are different acts. Context and markers such as an exception are important evidence for reading the article as comprehensive rather than merely generic.