Well Im not sure I want to disagree with you,are you armed right now I do believe there is an age of understanding. A child cannot possibly be held accountable for sin because they cannot understand the complexity of their situation and their need of a Savior. And we know that sins of the parents are not passed to the children. So from what I see in the Word children are not held accountable until a certain age of understanding.
We are sinners at conception, so there is a bit of inherent sin.