You might try wading through my post of Erickson's idea in post #3022. The Reader's Digest version is at the moment in which we realize we have a propensity to sin and we affirm that propensity to sin not only as natural but "ok", it is then that we participate in the original sin of Adam. Does that make sense?
The bible says we are born as sinners.. not when we know that we are. After all we are not sinners because we sin..we sin because we are sinners.
Just as we were in Adam when He sinned , we must be in Christ to be saved .
"Adam stands in a twofold relationship to his descendants: he is their natural head and he is their covenant head. As the natural head, Adam is the father of all mankind and Eve is the mother. Way at the beginning to time God placed a law that everything reproduces according to its own kind, that like begets like, that every creature produces offspring in its own image or likeness. In the case of Adam and Eve this means that their descendants, like them, are sinners."
Rev. Adrian Dieleman
That's why it is noted that Jesus was born without sin (a spotless lamb) )
Rom 5:12 Wherefore, 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:
Rom 5:17 For 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.)
The minute that you make any exception to this , then you have men that God owes salvation to based on their righteousness not Grace