My former Pastor: "You're not accountable to anyone."...

[chatpilot]

Everything you said in your post regarding what your pastor said to you contain all of the common elements of Christian manipulation.
1. why not just look at porn magazines, why not just "live it up", because you're not accountable to anyone??
Classical Christian guilt trip ploy geared at making you feel worthless and degenerate without God.

2. He also said, where are you going to go when "your hear melts down", ie, hard times hit?
Classical you are nothing without God ploy, in other words without him to sustain you you are useless.

3. he said that morals come from somewhere, and that we are getting worse rather then better, as human beings-presumably without Christianity.

Classical God is right and without him you cannot possibly know right from wrong, again this goes back to the guilt trip ploy. The only way this is true is if you dismiss all of the tales in the bible, especially the book of Leviticus where they had laws for all ills of society back then that continue to plague us today. As a society we are better off without primitive religious beliefs because through those same beliefs we espoused slavery, sexism, murder, etc. We have managed in this day and age to shake ourselves free from some of these primitive and intellectually demoralizing beliefs.