Well those are two enormously sweeping and unsupported assumptions, to begin with. But regardless of them, the value in morality is what it gives us. It's not a "should" thing, in the sense than someone else will approve and put a check beside our name on a clipboard, it's more like "should" we eat well and not drive drunk. I'd say yes, it's valuable to eat well and not drive drunk. Not because of someone else's approval, but for what it does for us. Specifically, morality enables love. And love is the grand prize in life. It's actually quite a practical thing, not some lofty philosophy or approval thing.