What is Sin? Is it a condition we cannot overcome without intervention? Are we sinners or are we divine?
Jesus said "As you sow, so shall you reap". Sin is a step outside the natural process of "as you sow..." and karma. It is an "offense." An offense to whom? Sin is colored with human judgment. If you do thus-and-so, you commit sin. You are doing bad. You are offending God. Who decides this? Most often, it is we who decide it through our guilt and shame over our actions. Maybe we have been conditioned by others since childhood to feel that way about ourselves. In our still-limited state of awareness we tend to act in ways that bind us, and in our conscience (the divine morality in us) we feel remorse. If we do not judge ourselves, others will certainly be there to do it for us. In doing so, they place themselves in the position of intermediary between us and our salvation. And there you have it, the psychological structure that holds most of the world's organized religions together.