You cannot impute collective guilt ransom14.
Pope Francis is absolutely right about that.
But there is another aspect of sin that CAN give rise to “social situations and institutions that are contrary to the divine goodness.” This is termed “Structures of sin” and stem from EFFECTS of personal sins or a sort of nuclear fallout due to other people’s sins.
Think of a woman who was victimized on a date.
She dumps the guy, it’s NOT her fault, etc. . . . .but she still suffers anguish etc. due to someone else’s sin (in this case the someone else is the guy who abused her).
She moves on in her life and marries a nice guy and they have a family.
Now years later she loses her temper inappropriately because her (now) teenage daughter is just thinking about going out with a guy Mom doesn’t like.
Mom is right in “blackballing” the guy and even telling her daughter to “lose him” but Mom intemperately starts hollering in an abusive manner because she has in the back of her mind, her OWN victimization.
Proverbial “nuclear fallout” from that guy’s sin all these years later.
That’s just one hypothetical example of hundreds I could think of.
Teaching (by example) your own kid to cheat. Then is the kid grows up, owns a huge business like Microsoft (but this is NOT Microsoft but merely a hypothetical).
HOW do you think this kid who is NOW the CEO of the company might (due to his dad’s bad example years earlier) treat his employees and customers?
CCC 1869 Thus sin makes men accomplices of one another and causes concupiscence, violence, and injustice to reign among them. Sins give rise to social situations and institutions that are contrary to the divine goodness. “Structures of sin” are the expression and effect of personal sins. They lead their victims to do evil in their turn. In an analogous sense, they constitute a "social sin."144
Hope this helps.