It's a simple choice:

[downbeatplumb]

IMO, if you feel that you need a god to make you behave, you are stuck in a pre-moral developmental state.  The god functions as a surrogate parent, punishing or rewarding; hence, behaviour is being driven by extrinsic factors (the approval or disapproval of the "parent").  Only when the motivation becomes internalized, driven by one's own desire to do good with no other reward or disincentive, can one be said to be a moral agent.

Interesting, and wondering if you could expand on that so I can understand it better.

There is a related experiment that is carried out on children. They put the kids alone in a room with sweets. In half that cases they tell the kids the room is haunted by a watching ghost. The scientists discovered that the kids who were told the room was haunted were less likely to take the sweets.