I see what you're getting at, but you seem to be avoiding this point: are there any "rules from god" that an unbeliever can break and cause god to reach over into their world of unbelief and give them pain for? a very simple question.
or does your conception of god actually fully commit to leaving "unsubscribed" souls alone, even if they do stuff he finds atrocious, off in their own world?
First part, see my reply about karma. As for the second, we are all ruled by the laws of the universe. My calling the source of all this God isnt about a dude in the clouds. Whatever God / Creator / Source may be, I doubt its human comprehensible. But whatever it is, we all are governed by the same laws. One need not understand or even believe in physics, but it affects us all the same. Same goes for other universal / metaphysical systems of governance. Another thing to keep in mind is what may seem like punishment is often God (or whatever) is putting you in a place to grow or stagnate. Punishment being stagnation, reward being overcoming an obstacle and the personal growth that comes with it.
so would you agree that the "laws of the universe" are not voluntary nor opt-in? everyone is subject to them whether they want to be or not?
also: were those laws created and set in place by god?
Yes and set in place by whatever it is that caused existence. There is nothing random about our existence whatever caused it imho if that's what you might be getting at. Too much complexity in all of life for it to be a result of billions of years of randomness. Too many biological sytems that are required to work in tandem in living things for a series of random mutaltions to generate them simultaneously (irreducible complexity). The Bible isnt the be all, end all of the history of humanity and existence. Just documentation of a segment of history as pertains to a man who, whether real or imagined, man or god incarnate, changed the world forever. But there is much more and I can see nothing but a something doing this with intent as the source of it all.
so this ruling system - archy - applies to everything and everyone everywhere, and there is no opt out.
in this view, the concept of anarchy is everywhere impossible. you've described the perfect system of control at the physical and metaphysical level across all time and space.
luckily for me, this is a fiction and not an accurate description of reality. It sounds truly awful. at least human rulers can be overcome or avoided.
so you are not governed by the laws of physics, which is a making of the creative source? Anarchy of any flavor, is about earthly rulers, nothing more. Because some believe in God and use the Bible as their guide does not change anything. And you don't have to believe in cosmic justice or karma or any other term for it, it effects you whether you like it or not, whether you believe it or not. Like gravity, it cares not one bit about a person's opinion of it
another thing I just thought of that I feel I need to clarify. Submission and obedience do not mean the same thing as pertains to the state. There are many law I do not obey as they are unjust laws and if I wanna smoke pot I'll smoke pot. But the times I was arrested for it, I submitted to the arrest cuz the other option is death. And as for the Biblical relevance, Jesus broke all sorts of laws (mostly those of The Pharisees, but they held much political influence locally), but submitted to 'authorities' when they came for him. Although in his case, it was in part because he knew he had to die, but the differentiation of terms remains
