> Come on; all of the world is 'solar powered' by that stretch.
Much, but not all.
> Oil came from algae which grew from sunlight.
Sure, oil is indirect solar power. The problem with oil is that's rapid consumption of a stockpile accumulated over a much longer time, which produces sustainability and carbon-balance problems.
> The point is valid: the density of solar exposure at the surface of earth, times the capture/conversion rate to chemical energy, is too low to support animal life. As demonstrated by billions of years of evolution.
Er, no, it does support animal life. IF it was too low to support animal life, than animal life could only exist by the equivalent of burning oil; e.g., it could only evolve with an accumulated stockpile of stored energy which it is burning down. That's not the case, so the negation of your conclusion is, in fact, proven by nature.
(And even evolution hadn't produced a mechanism that did that -- in which case we wouldn't be having this discussion -- that wouldn't prove it was impossible. Otherwise, all the technologies that we have developed for which there are no biological analogs produced by evolution would be impossible, which is clearly not the case.)