The effect of AI on humans is quite extensive and multidimensional, touching almost every aspect of society, culture, economics, and even our personal lives. Here are a few critical areas where AI significantly impacts humans:

1. Workplace Automation and Job Displacement
2. Impact: AI is likely to automate a good majority of jobs, especially those which are routine and mere data processing. This would have the effect of displacing workers, especially in sectors like manufacturing, retail, and customer service.

3. Human Impact: Automation will reduce the demand for certain kinds of work, but it will also create new employment opportunities in the development, maintenance, and oversight of these AI technologies. The difficulty is in re-skilling workers and dealing with the ones whose jobs become redundant.

4. Healthcare and Personalized Medicine

5. Impact: AI is radically transforming healthcare by providing a predictive analytics tool for disease diagnosis, enhanced accuracy in diagnosis, and tailor-made treatment plans based on individual genetic profiles.

   • Human Impact: This has facilitated good health outcomes and fewer medical errors, as well as efficient healthcare delivery. However, concerns regarding data privacy, algorithmic bias in healthcare decisions, and access to AI-powered medical care in underserved populations remain.

6. Ethical and Privacy Issues

   • Impact: Widespread use of AI raises lots of ethical questions about how AI systems make decisions, if they perpetuate biases, or how personal information is used.

7. Human Aspect: The ability of AI or ML algorithms to discriminate, especially along race or gender lines, is always likely to result in biased application of the policy. Additionally, the use of personal data in the formulation of AI algorithms stands a great threat against data privacy. The regulation and the usage of AI must be made sterner and more transparent.

8. AI in Education and Learning
   Impact: AI will shape education by enabling to deliver a more personalized learning experience, freeing administrative tasks of instructors, and supporting instructors through AI-based tutoring systems.

   • Human Impact: Even though AI is going to bring education within everyone's reach and personalize learning to meet individual needs, it may further deepen the divide between individuals who get access to the most advanced tools and those who do not, particularly in low-income areas.

9. AI-Driven Social Interaction
   Impact: AI-driven platforms, such as social media algorithms and virtual assistants, affect how people engage with technology and with one another. AI can serve to shape what we view online, impact opinions, and even change behavior.

10. Human Effects: On one hand, AI improves human interaction through easier communication (e.g., virtual assistants, real-time translations) while raising questions of manipulation and potential addiction and adverse mental health effects of excessive screen time or one-sided information.

11. **AI in Creativity and the Arts
    Impact: AI now works in the imaginative industries, be it in music, writing, and visual arts, where algorithms can assist in producing content, suggest improvements on, or even create original works.

12. Human Impact: AI in the creative space challenges traditional notions of authorship and creativity. While AI can augment human creativity, this further raises debates around copyright, the value of human-made art, and the role of artists in an increasingly automated creative landscape.

13. **Bias and Fairness in AI

14. Effect: Unbalanced AI systems may be biased since the training data could be biased. This is especially true in fields such as hiring, law enforcement, and lending, where biased outcomes may arise.

15. Human Impact: Biased AI could lead to discriminatory activities and inequality; its impact touches human lives in profound ways. A lot of caution is required on the part of the developers of AI to correct the bias by making the AI systems more fair and transparent.

16. Impact on Mental Health

17. Impact: The development of AI-based solutions, including chatbots and mental health apps, which can offer support in terms of therapeutic help through CBT and mood tracking as well as stress-busting exercises.

18. Human Impact: With AI potentially providing affordable access to mental health, it poses the question of whether such tools can replace live therapists or whether an AI is ethically fit for making decisions about someone's mental well-being.

19. Security and Surveillance

    • Impact: The use of AI in surveillance technology, facial recognition, and data analysis is increasingly being used for security purposes across both public and private sectors.

20. Human Impact: While AI may enhance security, concerns have also been raised about erosion of privacy and the potential for misuse in mass surveillance; also concerning would be the social implications of AI systems monitoring every citizen's movements and activities.

21. AI in Governance and Politics
    Impact: Governments and organizations are now starting to use AI to analyze massive amounts of data in order to optimize their public services and even predict social trends. AI is even used in political campaigns to analyze voters' behavior and target their political messaging.
    Human Impact: AI could be used for more effective governance and decision-making on the allocation of resources, but it might also potentially concentrate power in the hands of those controlling the AI systems. The capability for manipulation of AI-driven political strategies might also further compromise democratic processes.

Conclusion
AI has potential to enhance human life greatly, but it also throws up a host of challenges and risks. Its impact on humans will depend on how the technology is developed, regulated, and integrated into society. The focus should be on the principle of fairness, transparency, privacy, and accountability in AI development to ensure that AI is developed in a way that can benefit humanity without causing harm. As AI is increasingly used, more public discussion about how to use and regulate it for the greater good is necessary.