Morality is neither rational nor absolute nor natural. World has known many moral systems, each of which advances claims universality; all moral systems are therefore particular, serving a specific purpose for their propagators or creators, and enforcing a certain regime that disciplines human beings for social life by narrowing our perspectives and limiting our horizons.
No doubt it is an evil to be bound by laws, but it is necessary at the immature stage to be guided by rules; in other words, as the Master used to say that the sapling must be hedged round, and so on.
When the leader is morally weak and his discipline not strict, when his instructions and guidance are not enlightened, when there are no consistent rules, neighboring rulers will take advantage of this.
To invest successfully over a lifetime does not require a stratospheric IQ, unusual business insights, or inside information. What's needed is a sound intellectual framework for making decisions and the ability to keep emotions from corroding that framework. You must supply the emotional discipline.
All religion teaches the virtues of love, altruism and patience, while showing us how to discipline and transform ourselves to achieve inner peace and a kind heart. Therefore, they are worthy of our respect.
What is the next step, the practical application? —I will answer that the absolutely vital thing is to consolidate your understanding, to become capable of enjoyment, of living in the present, and of the discipline which this involves. Without this you have nothing to give.