Well Im not sure I want to disagree with you,are you armed right nowI 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.
I wouldn't want to think babies are eternally separated from God, but I can't find this age of accountability in the bible. What age of is it? I even just tried google for perspective on it. None of the articles could pin down anything.
We are sinners at conception, so there is a bit of inherent sin.