Most of the Christians I know are main stream protestants or Catholics (and I am very close with many Jews, also). Admittedly, I don't intereact too often with a lot of evangelical types, but I would say in my experience that your statement is generally untrue and very simplistic. I think the number of people who take The Word literally is vanishingly small among the educated class, and that modern Christianity has more to do with community, faith, discipline, and spirituality than with rules per se. There are good people and bad people of all stripes.I would say that there are plenty of people (Sticking to the example of Christianity because I'm most well versed in it's lore) who only act morally because of the threat of what happens if they don't.