I don't like either of the options....
I am religious, and I think people are endowed with free will, so ultimately it's a choice to be good or bad. I think morals are objective of course, so there is definitely a standard of good and bad, set by God.
I think there are other issues at stake, like an inborn conscience that everyone has (but which can be eroded or influenced) and the inheriting of sin, but I still think any individual has the capacity to be good or bad. I think people can change dramatically too....lots of "bad" people can become "good" and vice verse.
In true INFP form, I will say I am not up for arguing religion, and will state my personal beliefs and then make a quick exit.