The distinction is that those who inherit the consequences are not guilty; only damaged and in need of healing. But in order to heal, one must cooperate with the physician, FK. One must willingly submit to the authority of the physician and trust that the physician will lead them to health. It is a conscious and a willful effort; it is not something the physician compels you to do.
Perhaps I do not know the common theological use of the term "guilty". In legal terms, I think it means either an action or a forsaking of responsibility. Of course, neither would be the case in your example with the baby. In addition, I don't believe that when we are born that we have "done anything" to warrant guilt. However, I would still say that the baby was born under the cloud of original sin and is doomed to hell without the saving grace being bestowed upon her by God. I know it may not sound fair, but that's the way God set it (the universe) up.