What's with the recurring theme in the bible of people being punished for other people's "sins"?

Sin is the breaking of the law.(read 5 1st book of bible)this law can be summarised :love god with all ur heart soul and mind.and love ur neighbour.now for me i can't do this.so i take the way given by god.he sends his son to love in my place.and pays my dept for my breaking the law and not loving.now am at peace with god with no sin in the way.now i am a son to god.the only thing he can do is punish me to set me straight for a little while.the devil has no power over me.come 2 god my father u will find rest.