Typical trend in the religiously faithful to a$$ume that people are inherently evil. Sorry, but I consider most people to be inherently good.
You have actually given the definitions of classical conservatives and classical liberals, and you would be one of the latter. Believe it or not, they have switched sides and modern day liberals have adopted the creed of your first sentence, which is why we have so many inane laws to protect us from ourselves.
Why I think that is because I don't think most people would scoot around stealing other people's stuff even if there was no such thing as gods n goblins. And there are none, so I am right.
Sure, you're right, for whatever reason. Most people know it's wrong. But how do they know it's wrong? Our laws are based on that commandment, but still most folks won't do because they know its wrong, not just because of the law. Besides, there are still enough people who do just that and we need the law as a recourse for their malfeasance.
Most people don't steal anyway and besides, I defy anyone to truthfully tell me they haven't coveted something.
So, as I said, you're toast from the getgo as far as the commandments are concerned.
I defy anyone to deny they haven't broken all the commandments. But since we're talking covetousness, I've seen people make themselves sick wanting what other have, that certainly isn't healthy. The other thing is that the offender, if he acts on his feelings, truly feels remorse, makes amends or restitution and asks forgivness. You're not necessarily toast, but in the eyes of the law, you may be.