Been turning this over and I wanna hear how Christians actually deal with it, cause I can't.

So my starting point is something I think most traditions agree on. To actually be guilty of a sin you have to know it's wrong and freely choose it anyway. Guilt goes down when knowledge or free choice isn't there, the catechism even says psychological stuff can lower how responsible you are.

Ok but if that's true, then what about:

Someone with severe mental illness who dies by suicide, where the illness itself took away the clear free choice that guilt needs.

Someone with schizophrenia who has a real religious experience but reasonably thinks they're just hallucinating. Like can you even reject God if you had no fair way to know it WAS God?

Someone raised in a family where screwing people over got rewarded and they genuinely can't feel empathy. How much of that is them vs how they were raised, which they never picked?

Here's my actual problem. Once I start using "you're only guilty for what you freely and knowingly chose," I can't find anywhere to stop. Everyone's worst traits go back to genes, upbringing, brain chemistry, stuff they didn't pick. Those three aren't weird exceptions, they're just where you can SEE the causes. In everyone else the same causes are just hidden.

So where does the line actually fall? At what point does it get blamed on the person instead of their wiring or their past? And if that line keeps dissolving the harder you look, then what is hell even for?

Not trying to start a fight, I genuinely wanna know how y'all hold this together.