Another way to look at this moral issue between believers and atheists was articulated in the book
Escape from Freedom by Eric Fromm.
Essentially, it is easier for a person to let someone else fill in the answers to life's tough questions than to grapple with them yourself. This is a big reason for the rise of the Nazi's, the strength of the Catholic Church etc (as examples of AUTHORITARIAN regimes...which isn't necessarily the same as religious groups although many religous groups have authoritarian tendencies).
So yes, when you look at a religious person you may think you know their playbook...however, how much of their worldview have they tested themselves and how much have they just accepted because someone told them that was the case.