Needing the Spirit Beyond the Means (Romans 7 (LD 26; BC 15)

Romans 7 is a passage that is debated about its application.  Some say that this is Paul under judaism, Paul in a pre vs post conversion, a regenerate man looking at unregenerate man, and the theories continue.  How can Paul be talking about the issue of human sin and the law?  What if Paul is just laying out that fallen man is so sinful that fallen man cannot attain the holy God apart from Christ?