Why is stratospheric ozone beneficial to life on earth, whereas tropospheric (ground-level ozone is not?

Ozone is produced naturally in the stratosphere. But this "good" ozone is gradually being destroyed by man-made chemicals referred to as ozone-depleting substances (ODS), including chlorofluorocarbons (CFCs), hydrochlorofluorocarbons (HCFCs), halons, methyl bromide, carbon tetrachloride, and methyl chloroform. These substances were formerly used and sometimes still are used in coolants, foaming agents, fire extinguishers, solvents, pesticides, and aerosol propellants. Once released into the air these ozone-depleting substances degrade very slowly. In fact, they can remain intact for years as they move through the troposphere until they reach the stratosphere. There they are broken down by the intensity of the sun's UV rays and release chlorine and bromine molecules, which destroy the "good" ozone. Scientists estimate that one chlorine atom can destroy 100,000 "good" ozone molecules.