I believe we don't want to face the adversity of judging the world in front of us so we ponder "god/no god" to not think about the fact that insurance literally began as a scam or that hospitals can legally extort you for all your worth and it isn't a fair fight or that mental healthcare is least attainable to those who need it most.
No. There isn't a decisive being weighing our souls. We weigh our own conscience, or we don't. Shit is unfair, but you do your best. That way when you feel like shit you know you're really trying. You can role play a big source of approval if you want, just don't be a predator about it.