As pertains to Original Sin I think Finney made the mistake of trying to understand the place that a unregenerate person is in through the eyes of being regenerate. This is a serious problem as it totally misunderstands the place a sinner is actually in while alienated from the life of God. It has serious implications and effects on ones theology also. Sure, I can tell a sinner to 'obey God' and live a righteous life because it is my experience that [u]I can[/u]. But the reason why I can is that God is working in me both to will and to do His great pleasure by the Holy Spirit. In other words, unlike the unregenerate, I have the Paraclete walking alongside helping me bear the fruit of the Spirit unto obedience.
This is where we get into a pickle. We are culpable for our crimes against God because at any given time we could have chosen to obey Him and we have resisted the Holy Spirit as He has pressed us to walk in the light that we have. However, 'obedience' is not the only issue by any means. Christ did not come to make bad men good He came to make dead men live (Ravenhill). Man lived alienated from the life of God through the ignorance that was in them through the blindness of their hearts. They needed to be 'regenerated'. This is more than simply changing ones mind. This is God coming in and making a new creature. This [u]is[/u] a Divine miracle. If any man be in Christ he/she is a [i]new creature[/i]. Finney was wrong to assert that regeneration is not a miracle. It is more than me making myself a new heart. What the Hyper Calvinists of Finney's day had done- Finney, unfortunately, took the opposite position and as a result was never really in balance (in my opinion). He placed man's salvation very much in man's hands and that is a serious problem if it is over stepped. Salvation soon becomes in practice the work of man 'working out' his/her own salvation in continual fear and trembling. Sounds biblical? What is the 'work'?
Then they said to Him, "What shall we do, that we may work the works of God?" Jesus answered and said to them, "This is the work of God, that you believe in Him whom He sent." (John 6)
This is why, to me it is important to understand the nature of 'working out' our salvation. Faith has been called "right response to revelation". God reveals and we respond. If I do not respond rightly- it is [u]not[/u] faith. This is why 'self-examination' can be dangerous if it is not in the hands of the Holy Spirit. This is why examination in the hands of a well meaning preacher is also dangerous. God is working in us to will and do His good pleasure; our 'work' is to respond rightly to Him as He [i]reveals[/i]. We respond as He reveals. This is akin to the light that we are to walk in.
Either way we look at it, we have to be careful not to base our theology on our own present experience. I am utterly dependent to see the condition of sinners through the eyes of scripture. Error begets error. I like Finney on many things, but I also think that he was wrong in some areas. We have to prove all things and hold fast to that which is good.