Thats good, if everyone did that the world would be a better place. May I point out that I also am not a 'churchgoer', I am not a member of any orginized religion, I just belive that faith in God is essential.
The problem with your theory of morality is that it is dependent on what YOU think. Lets say you put yourself in the shoes of a rich guy who has 10 ferraris and say, 'well if I had 10 ferraris, i wouldnt care if soemone stole one.' So you jack it. But thats still stealing, and its still wrong. (poor example, but you get my drift.)
I think it is far better to have a UNIVERSAL moral code that ALL of society collectivly adheres to (admitedly, that is impossible), but in the Bible I find a solid moral code to base my life on.
WE TAKE THESE RISKS NOT TO ESCAPE LIFE, BUT SO THAT LIFE DOES NOT ESCAPE US