Ah, that's what bugs me. The point is, different systems approach things, such as morality, differently. Religion claims to have the answer, but also (often) claims that it is needed for this answer, i.e. "if not for religion where would you get your x", e.g. morals. (And I don't feel like looking up and listing outdated/immoral practices that are prescribed.) It takes an ownership and authority based on false claims.

But the thing is, you also mention for yourself now that you think about it and adapt it for yourself. So the morality is there, but also not in a reliable/immutable form, such that it requires adaptation. And how it's adapted changes per person. Adaptations, even to the point that things aren't even supposed to be taken literally.