Good morning, brother Oyster. Yes, we are accountable for Adam’s sin.
Yes, this is of course the correct answer, and for the reason you have stated. Simply put, because the Bible tells us so.
Romans 5:
12Wherefore, as by one man sin entered into the world, and death by sin; and so death passed upon all men, for that all have sinned: 13(For until the law sin was in the world: but sin is not imputed when there is no law. 14Nevertheless death reigned from Adam to Moses, even over them that had not sinned after the similitude of Adam's transgression, who is the figure of him that was to come. 15But not as the offence, so also is the free gift. For if through the offence of one many be dead, much more the grace of God, and the gift by grace, which is by one man, Jesus Christ, hath abounded unto many. 16And not as it was by one that sinned, so is the gift: for the judgment was by one to condemnation, but the free gift is of many offences unto justification. 17For if by one man's offence death reigned by one; much more they which receive abundance of grace and of the gift of righteousness shall reign in life by one, Jesus Christ.) 18Therefore as by the offence of one judgment came upon all men to condemnation; even so by the righteousness of one the free gift came upon all men unto justification of life.
I once grappled with these verses. Perhaps I thought that a person should at least be given a chance to lead a life of perfection.
When we finally get around to doing the math, we soon realize that our chance turns out to be zero. I finally realized that the little me inside of me didn't even possess the want-to to try. We find out that Grandpa Adam is simply a reflection of ourselves in the mirror. It's not so much that we have done the things that he did as it is...
We are the person that he was. He is more than just our reflection in the mirror. Not just Adam either. Every person in the OT that ever lived in the OT or NT ended up in the ditch except for Jesus Himself. We are all birds born without wings. Pretty sad. Fortunately, Jesus agreed with that assessment and felt pity/love for us.
It still stretches the mind to comprehend eternal hellfire, but how much more it does stretch the mind to picture dirty little me in the perfect and pristine eternality of Heaven. I now realize that people don't go to hell for just sitting on a park bench and being neutral. Is it only for being born dirty?
No. It goes much deeper than that. What manner of man would openly rebel against such great sacrifice and love proffered by the hand of one so loving and kind as Jesus? It is that same man as would drive nails into the hands of the innocent. That is the depth of depravity that Jesus suffered and died to deliver us out of. Understand the dark depth of your depravity and take hold of His outstretched hand today. Treading the cold waters of eternity without Jesus should not be considered an option.
Revelation 3:20
“Behold, I stand at the door, and knock: if any man hear my voice, and open the door, I will come in to him, and will sup with him, and he with me.”