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The positive effects are a) vitamin d production b) germicide
The negative effects are c) lower energy efficiency in the visible spectrum (watt per visible light produced) d) negative effect on the eye e) carciogenic
For indoor keeping of reptiles UVB light seems to be needed [2] As far as i've read, for indoor planting, UV light seems to beneficial as well, for example it increases the production of THC [3]
Why should we, as humans, be different ?
[1]Ratnesar-shumate, S.; Williams, G.; Green, B.; Krause, M.; Holland, B.; Wood, S.; Bohannon, J.; Boydston, J.; Freeburger, D.; Hooper, I.; Beck, K.; Yeager, J.; Altamura, L. A.; Biryukov, J.; Yolitz, J.; Schuit, M.; Wahl, V.; Hevey, M.; Dabisch, P. Simulated Sunlight Rapidly Inactivates SARS-CoV-2 on Surfaces. J. Infect. Dis. 2020, 222 (2), 214–222.Google Scholar https://sci-hub.st/https://doi.org/10.1093/infdis/jiaa274