Hi, and welcome to Baptist Board!
Let me present a scenario for you and ask you about it.
A two year old goes into a grocery store with mommy. He sees mommy put all the great wonderful things in the basket and then the man at the counter (or the woman) talks to mommy and mommy gives her some paper and the nice lady (or man) helps mommy pack everything up to take home.
Hey, this is NEAT! So there's that candy bar -- but it's so little no one needs to help pack it up.
So he takes it home.
He is guilty of shoplifting.
He is ignorant of the law.
Is he to be held accountable?
Does the bar still have to be paid for?
You cannot hold a two year old accountable for that, and yes, mommy still has to pay for it when she finds it out!
So, first of all, sin is different from accountability. We are all born with a sin nature, courtesy of Adam and Eve. Thus we will all sin as early as possible -- and that early as possible thing has been a matter of great dispute on this board in the past! But until the law is known, can the sinner be held accountable for what he or she is doing by nature?
Some say yes. Some say no. Baptists definitely differ on this one.
I think you can see from the example I gave where I stand.
So what would a possible 'age of accountability' be? The only thing I know how to do is go back to Bible. During the sojourn in the wilderness, the Israelites rebelled against God over and over again. Finally He had had it and told them they would die out there and that they could not enter the Promised land, but only their children would. What was the cutoff age? Twenty years old. Evidently the Lord was not holding even teenagers accountable spiritually for participating in the sins of the parents.
Personally, that age also makes sense in life and humans as I know them (I have raised six and taught for almost 30 years). Kids do not do something because it is right or wrong. They do things to please someone, like mom or dad, or to avoid punishment, or because they just want to. Teenagers are so busy getting their brains re-wired and trying to figure out who they are, that they end up rebelling for the sake of rebelling with almost no regard for actual right or wrong for their own sakes -- and the spend inordinate amounts of time measuring themselves against one another!
It really does not seem to be until the very late teens and early twenties that a person is settled enough to be able to understand right and wrong for their own sakes and behave accordingly.
Those were my thoughts after reading about the twenty year old separating point the Lord established and how, the more I thought about it, the more sense it made to me.
But please understand, I cannot speak for anyone but myself and there are many, MANY here who disagree -- sometimes almost violently -- with me!
But at least that gives something to think about.
Helen