Chill out, Gene. ;-))
I have 10,000 leaves that look worse that that. We had 2 weeks of cold weather in June and some trees completely defoliated. They are re-leafing now.
Leaves get old, and show their age in many ways. Eventually (Fall) they get yellow and fall off. Your leaves are about 40 in fig leaf years right now, and will be dead when they hit 70, so they should be showing some age.
Too little water causes brown margins and little black/brown spots. Severe water deprivation leads to crispy dry patches on the leaves, or whole leaves getting crispied. Enough water, but low humidity or excessive son and heat can make leaves show the same marks. Sometimes the plant can't take up water as fast as it is losing it, and the leaves show it. Nothing, other than heavy shade will likely prevent that.