but I have no doubt your 'moral' atheists will all have a whole new understanding of that come Judgment Day.
Is this how you capitulate? Look, your argument is nothing new. It's rehashed nonsense that may sound really impressive to 8 year olds in Sunday school but is pretty lazy to adults. People can be moral without religion. There are people every single day that state without fear that there is no god, and they go about their day like everyone else. They work hard, don't bother anybody and treat everyone with kindness. There are others who refuse to even entertain the possibility that people can be moral without religion. Some of these same folks get caught cheating on their wives, banging male pages, and stealing from their peers.
So what does that tell you? It tells you that people can be moral without religion, and people can be moral with it. Morality is not dictated by whether a person accepts your circular reasoning about personal beliefs. It's dictated by how a person acts. Continuing to deny what should be obvious to any adult just makes you look silly.