If I can be judged for the sins of my neighbor which are completely out of my control then it invalidates the fundemental basis of Christianity.
If you think Christianity is purely a private affair between yourself and the Lord, you completely miss the fundamental basis of Christianity.
You think the Lord owes you nice treatment for your good behavior? On what basis? Since when does the Lord owe you anything?
The Catholic Church is ready to help you out of your works-based confusion, whenever you’re ready.