The major problem your plant has here is a very heavy scale insect (Coccomorpha) infestation. These are sucking insects that bite into the veins of plants and suck the sap. They are related to aphids, and feed in a similar manner. The females attach themselves to the plant and are covered by a shield and/or a waxy layer for protection from the environment and from predators. Like aphids, when feeding they exude some sap residue from their gut and this can result in growth of fungal species on the plant. The fungal species are often black sooty molds, but I would hazard a guess that not always.
You can see adults clustered along the main mid-rib of the leaf and smaller instars clustered along the lines of leaf veins. The adults look like ovals with a darker line running down the middle. The instars are particularly obvious about mid-leaf, near the two ovals outlined in white, where you can see 3 approximately regularly spaced veins with lines of them feeding. The two ovals outlined are where adults have fallen off and left behind some of the waxy coating they coat themselves with.
I don't know which of the many many species of scale insect within the grouping you have here, but one common and well known grouping within the scale insects is the mealybug (not what you have here, mealybugs are all unarmoured, yours is armoured). You should be able to treat your plant with a product that is designed to kill mealybugs. These products usually contain an oil delivery system to counteract the waxy water repellent layer the scale insects coat themselves in, and an insecticide to kill the insects.
The white residue you are seeing on you plant is probably not mold and is the waxy substance you can see on the insects. I can't find any reports in the scientific literature of allergy to scale insects, so these are unlikely to be causing a problem. Molds from the secreted sap might cause a problem as fungi from many types are known to cause allergies.