The Bible says if I sin, I am guilty of that sin. The Bible says that if I am capable of stopping someone from sinning and do not do it, I bear at least partial responsibility/guilt for that sin. We know that the consequences of a sin can be far reaching. That is not in dispute, I don't think. Dishonesty at the higher levels in financial institutions can cause others who have invested there to go broke. That has happened. Those who have gone broke are not guilty of what happened. They are considered victims. A child born blind because the mother has active syphilis is bearing a rough consequence. But there is nothing that child could have done to stop the mother and nothing that child did which caused the mother to contract syphilis. The child, while suffering, is not guilty. I was not in the Garden of Eden. I did not eat what was forbidden there. Nor is there anything I could have done to prevent Adam and Eve's choice to disobey God. So though I have endured the consequences of their sin -- their decision -- since I was conceived; borne the consequences physically, mentally, and spiritually, there is nothing I did or could have done which influenced them in their choices. Therefore, while I was born with a sin nature as a consequence of their sin, and I have certainly sinned enough of my own to create a load of guilt (which, thank God, Jesus has removed!), there is no possible way I could be held responsible or accountable for what the first man and woman did. Nothing I ever did or could have done had any influence in the matter, and it is that which determines culpability.