Your objections are correct sadly, for many churches today. Many churchians, have much in common with ‘Atheists’ morality’. The atheist desperately asserts “no evidence God exists” just as the churchian merely seeks the “fire insurance” of religious performance, “just in case” there really is Day of Judgment. There is no difference; they both lack genuine repentance & faith using different forms of denial. Many churches today have lost the necessity of following Jesus' teachings, most of all, repentance and turning from sin, clinging to an easy 'just believe' message that is no different than a 5 year-old’s believing in the tooth fairy. In doing that, is where you get the hypocrisy – lives that were never truly changed, transformed by the understanding that Jesus took the punishment your sins deserved on His cross.
Confess your sins to God right now, sorry from your heart, and ask His forgiveness. Then turn from them in faith trusting that only Jesus’ sufferings on the cross will be accepted by your Father in Heaven for the punishment your sins deserved. Everyday you delay you store up more of God’s wrath against you. Read how the Bible says to be right with God, Matthew 4:17; Luke 24:46-47; Romans 2:4-5; Romans 3:23-24; James 2:10; Hebrews 9:27; 1 John 1:8-9; Romans 5:8; Romans 10:9-10; Romans 10:13; Ephesians 2:8-9; 2 Corinthians 5:21; 1 Peter 2:24; 1 Peter 3:18; John 3:36; 1 John 5:11-13 ~ www.GodsLoveProven.com “So then, each of us will give an account of them self to God”. Romans 14:12