Great response and thanks for reading. I agree with much of what you say. But throughout scripture God often judged nations and people collectively. I am not privy to how God will ultimately judge us, but I do agree that we will have to answer for our own sins, which could easily include how we sinned collectively.
Ultimately, God’s judgement is his and his alone. We won’t get to stand before him and complain about how he has chosen to jduge.