kurt9 wrote:So let me get this straight. Say I'm someone who has always minded my own business and has never caused anyone any harm.
Like I said, I really am not interested in a religious discussion especially with the Christian bashers we have in this forum. But to answer your question, it is a loaded question. All of classical theism--including Judaism, Christianity and Islam--all teach in all their authentic forms, that all people are sinners (with the exception of the Son of God, Jesus Christ). All "fall short of the glory of God". So the very premise you site does not exist as an option. If you believe there are sinless people, well then you're not going to believe they need forgiveness. So why ask the question?
And as I already explained, "sin" is not etymologically a religious term. It is an archery term that predates the Greek use in religion by many centuries.
I think what you don't get is the whole notion of "righteousness" as a pure standard none of us reach, and that is the basis for all doctrine on this subject.
Don't you people ever read your Bibles?

"Your righteousness is as filthy rags" is pretty much the basics in theism, and those rags refer specifically to what women used to clean up during their menstrual period. No mucking about pretending there are righteous people.
"Courage is not just a virtue, but the form of every virtue at the testing point." C. S. Lewis