When is a Religious Belief Delusional?

[Whateverist]

Even if there were moral facts, why would I care about them? Nothing happens if I don't follow them (except God keeping score possibly, which I don't care about).

I'm not going to do something just because it's a "moral fact"; nor will I not do something because it's "factually immoral". I decide for myself what is moral, based on my judgement of real consequences, and the values I hold.

Just as you would do if you were persuaded there were moral facts and that a particular expert endorsed what you hope are the right ones. No way around it.

Only a psycopath would need to be told what to think is moral or not. Everyone else has the ability to decide for themselves.

Well, everyone may not have the same ability to decide but everyone has the same imperative to make a decision. Those unwilling to step up to that responsibility make the best tools for tyrants.

Moral facts implies factual values, and that's just a contradiction. You can use god's values, or some clever guy's values, or your hero's values, but ultimately you're making a choice to use that set of values. Why should I give a shit what God values? It's still his opinion at the end of the day.

I suppose at the end of the day we are all influenced by various experiences and sources. If reading the bible or Aquinas or Confucius helps someone to focus their ideas regarding morality that doesn't do any harm. But if they conceive themselves to be heeling to divine orders their humanity is diminished and they will become a tool for somebody.