Should I save a kid drawning in some lake, you would probably agree that I did a moraly good action.

Should there be a rich guy in a wheel chair on the side of the lake, who, before I save the kid, tells me that if I save the kid he would give me a million dollars, and else he would use that money to find me back and have my legs cut off. You would probably tell me that it is a very cheap million dollars, and that people with no morality would save the kid too even just for half that amount ; so while still not wrong, it is not a "good moral" action in this case.

Therefore, should I believe a god look at me and judge me, rewarding me with an eternal heaven of happiness, and threatening me with an eternal hell, there is no way I could ever do any "good moral" action.

And so morality only exists out of religion.