Annoying Atheist Arguments

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Yes, you would. If you think that this outlandish claim is not true then you do have a belief regarding it. That being the default position does not exempt it from being a belief.

There wouldn't really be a good reason to believe it to be true if there isn't any evidence for the Lochness Monster. You can associate the Monster with true objective moral values and people can say how they feel the presence of the Monster within speaking to them in their heart, but that wouldn't be evidence. Only ship with a sonar on could provide the real evidence of something if it's real, physical, detectable and actually there. This is the atheists view of religion in general, it isn't specific to any one specific claim. Non-belief in the Lochness Monster doesn't count as a belief in anything. There would still be all the big questions like why does the universe exist and where do you go when you die but the best thing you can really say is that it probably doesn't have anything to do the Lochness Monster, it seems like something people would make up. So there were eyewitness reports of the Monster but you can't just assume those reports are reliable enough to rest your faith in eternal salvation upon as tempting as it would be.