Apparently my views of sin and repentance are not Christian.
I have always believed that we inherit the debt of Adam. Submitting to Christ clears this debt. However, in this life we continue to accrue debt. By sinning we degrade society, either directly (theft, murder, adultery) or indirectly by defiling our own character (wanking, gluttony, idleness). By defiling yourself, you become a weak link in the social chain and in turn cause a weakness in society which can be exploited by the evil.
Every action you take and word you speak causes a rippling effect through the world. These things, if sinful, will help to normalize that sin and become a stumbling block to another. To cause a stumbling block to your brother is one of the greatest acts of hatred that can be produced in life. Such things produce a debt upon your soul.
In the day of Judgement the Judge of judges will look over your record. If you have lived a life of sinfulness and caused another to stray, then you are responsible for his negative actions and you will pay with your soul. However, if you lived a life of temperance and goodness, the positive actions produced hence will be glorified and rewarded.
This is why we are called to conform to a certain manner in the scripture. This is also what Jesus meant when he said "take up your cross and follow me." Jesus never led a single soul astray nor defiled himself in any manner, being a perfect example of man.
However apparently this is not accepted by any Christian sect. I thought this is what the Catholics believed but it seems that I have switched timelines again. Pray for me that I may conform to the correct path and not wander down various roads of heresy.
The long and short of it is that all sin is a personal offense against God Himself. All that societal mumbo jumbo is simply worldly concerns that don't matter. You could be a hermit in the wilderness and still commit sin.
Whether you profane His name and denounce Him, or you murder a bunch of people and defile a bunch of children, or even just cut yourself out of self-hatred, the offense is against God and His commandments. Yes, all these sins have secondary effects, causing problems for you, your family, society, etc. But these effects are not the sin itself. The sin itself is your free choice to defy God's will and grace in favor of your own will. That's what it means to be like unto God's, knowing what is good and evil - you usurp God's authority to determine right from wrong, and substitute your own morality.
Sin inflicts 2 kinds of debt and wounds on the sinner: spiritual and temporal. Spiritual debt is the irreparable offense to God which demands you die and be cast into oblivion. It is the infinite gulf that opens up between you and God the moment you turn away from Him. You cannot pay this debt because it is infinite and you are not. Christ pays it for you, because being God, Christ is infinite and can apply His infinite merit to the infinite debt. That is why you get to resurrect and live through Christ.
Temporal debt is the requirement for suffering for the sake of reparation and penance. It is through suffering that the effects of sin are cleaned from the soul. You can pay this debt now, or you can pay it later (purgatory). You can even pay it for others sake (including those in purgatory), or even pre-emptively in petition for graces. Either way, you're gonna pay it. The only time you get out of it is with a plenary indulgence, and that is only because it applies the sufferings and merits of Christ and the saints to your debt.
Wounds, on the other hand are direct consequences of sin. A spiritual wound is the scarring of the will, weakening its resistance to the temptations that it first fell to. If you commit the same sin over and over, the scar grows and it becomes harder and harder to resist the temptation and to repent of the sin, until it becomes habitual sin. The same concept applies to temporal wounds. If you're a glutton, you get fat and diabetic until you can't stop being fat because your organs and metabolism are destroyed and you've rewired your brain and gut to demand gluttony. You may repent of your gluttony, but the damage to your body is done, and it'll be easy for you to fall back into it.
Wounds have far reaching effects. Everyone bears the spiritual wound of The Fall - the inclination to reject God's will. Your particular wounds will affect everyone around you, which is where the concepts of generational and societal sin come into play.