Hi Willie,
If a person runs a till under a tree, or even near the outer edge of the crown, they can damage the tree and it's roots which will result in decline and probable death of the tree.* Most tree roots are in the top 12" of soil and extend BEYOND the drip line (outer edge of the crown).* I too would remove a Ficus benjamina if it was anywhere near a structure.* Here's a picture of the roots of a farily young tree.
http://davesgarden.com/pf/showimage/21156/
Here's info on how tree roots grow.
http://edis.ifas.ufl.edu/WO017
http://www.mortonarb.org/research/treeroots.html
Ficus benjamina does not have a tap root.
http://www.ftg.org/horticulture/n_hortFAQ.htm#Ficus
Newt
When weeding, the best way to make sure you are removing a weed and not a valuable plant is to pull on it. If it comes out of the ground easily, it is a valuable plant.