The Original Sin thing

"Don't lay your sins on me, bro!"

From the time I was small, it was drummed into my head that, from birth, all of mankind is a fallen, sinful creation of a perfect, loving God, that I can never do anything right by myself and I (along with everyone other than Jesus) are horrible, craven beasts. Thank you Augustine, Calvin and Knox.  Of course, the culprit here is a snake with an apple, some chick and her overly-trusting husband.

This has always bothered me on a nearly subconscious level, as it defies the notion of a loving creator God.  Ignoring that is counter-intuitive to say a loving God would such a thing (discussed here) or that Original Sin entirely undermines the efficacy of baptism and salvic grace (more in a moment about that), I come to Ezekiel, Deuteronomy and Romans.

"The person who sins will die. The son will not bear the punishment for the father's iniquity, nor will the father bear the punishment for the son's iniquity; the righteousness of the righteous will be upon himself, and the wickedness of the wicked will be upon himself." (Ez. 18:20)

"Fathers shall not be put to death for their sons, nor shall sons be put to death for their fathers; everyone shall be put to death for his own sin." (Deut. 24:16)

"He will judge everyone according to what they have done. He will give eternal life to those who keep on doing good, seeking after the glory and honor and immortality that God offers. But he will pour out his anger and wrath on those who live for themselves, who refuse to obey the truth and instead live lives of wickedness." (Rom. 2:6-8)

That seems pretty clear to me.  If I am not held accountable for my father's deeds (good or bad), then how can I be held to account for the deeds of the first of man?

The efficacy issue is a mostly separate thing.  The idea runs like this: 
1. There is Original Sin (which is defined as a hereditary stain due to the sin of Adam)
2. The Blood of the Lamb washes our souls clean of every stain (Rom.5:18, among others)
ergo..any child who is born of two who have been baptized would be without the stain of Original Sin. 

If it were not the case, then Grace through belief is not wholly efficacious.  Even if the above parents of the child have mortally sinned after baptism, the stain of Original Sin was washed away, else Grace is not wholly efficacious.

Oh, there's more...probably a lot more, but that's enough for now.  There is a lot of 'tree-shaking' there with HUGE implications.  Read it over a few times, sit and pray with the idea.  Decide for yourself what is right.