I am also not a York Rite Mason but in reading your question, I’m a bit confused.
I am a Christian, and being such, I believe I am accountable for my sins. If there is an Obligation that you describe, and again I am not a York Rite Mason so I don’t know, why as a Christian would you have a problem stating you are accountable for your sins? If it is your belief that Jesus bore our sins, did you thing that was forever? You were born with a clean slate, what if you sin now? Does that have any bearing on you now? Shouldn’t you be held accountable? If I broke the law, I would be held accountable.
Just food for thought. I in no way preach any religion on anyone. I just came up with some thought for what I believe. You asked an honest question and I hope you find your answers.
In agreement with Brother Charles, ask some York Rite Masons and you might just find what your looking for.
Good luck in your journey!
Fraternally,
Scott