The gemora in Perek Chelek asks this question. It compares this to two people, a blind one and a lame one, seeing a fruit tree. Each by itself cannot get the fruits but they get it together. The blind one picks up the lame one on his shoulders and they enjoy the fruit together. Similarly, the body and soul , each alone cannot sin, but together they do. Hashem puts the soul in the body and get punished together. The sechel is not an entity on its own but its gets rewarded and punished togerher with the neshama.
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