You're not clarifying as I asked. So you will probably not be satisfied with my answer.
Non-sequitur.
I have it, but I don't need it.
They have it, but they aren't held accountable until they are old enough to understand what it means to choose evil.
You are mistaken, my friend, about our nature of sin. It is something we are born with. The Bible explicitly says we die because of Adam's sin. Yes, we are accountable for our actions, but we inherited a sinful nature from our forefathers, Adam. We are born in iniquity, fallen, destined to die. But in Christ, all can be made alive.