No, you seem to have this all screwed up.
Just because I live without a god doesn’t mean I do not feel guilt if I wrong somebody, that is a human reaction, god doesn’t come in to it. The same with murder or rape, I consider them wrong, god is the projection of our intuitions.
You seem to be saying that without a religion I should revert to basic animal instincts, and without doubt people do, but not because of lack of religion, they have done it countless times when the laws of civilization falter, during war, famine, or disaster. The laws that "we" made not some idol.
If I am a good person, I am because I think it is the right way to live, my neigbours are old and frail, do I go in and steal their shit? No, I cut their hedge, ask if they want some shopping and refuse payment, because it feels right.
Likewise, if I encourage someone to live their life instead of flushing it away, I do so because that’s the only chance he has at this and it would be a waste, and the chances are, he will get over whatever angst he’s feeling right now, and that stems from my philosophy of life which very much includes the statement that bothers you.
This “wager” you seem to want me to try, has no lure for me, an empty gesture to a yawning nothingness, I have better things to do.