(or is it discovered inside the human mind? I'll let you figure that one out).
There's not even an argument there. Current scientific knowledge indicates strongly that our brains are wired for language processes, but not for a specific language.
What you're referring to as the creation of an algorithm is simply the creation of the description of the algorithm which is a different thing to the creation/discovery of the algorithm.
No. You are trying to introduce some kind of strange sideways category. Or maybe it is the word "algorithm" that's causing the confusion here. I've described my view, how about you describe yours?