> Beware the fallacy of composition. What may be "right" in a transaction between individuals can be "wrong" over the entire population.

I think this issue is philosophically contentious, and interesting. Even if you don't accept that premise, I wouldn't describe this as a fallacy.

I think fallacy is best used to describe a logical non-sequitur/invalid conclusion. It's independent of whether we agree on the assumptions.

Premise 1: Socrates is a man. Premise 2: All men are mortal. Invalid conclusion: Therefore Pigs can fly.