If there is anything beyond this material world, then God exists in some form. Someone is deciding where those souls will go in the afterlife; someone is judging right and wrong.
You are assuming an Abrahamic solution. I assume a Dharmic solution: cause and effect. All our actions cause results. There is no god running it, and more than there is a god running gravity. Karma is like gravity, it is part of the universe. We need to work with it.
Gravity is not moral, it does not say “You shall not jump off a tall cliff.” What it does say is, “If you jump off a tall cliff then you will plummet to the bottom.” Karma is the same; it is a series of “If … then …” statements.
Mind precedes all conditions,
mind is their chief, they are mind-made.
If you speak or act with an evil mind then suffering will follow you,
as the wheel follows the draught ox.
Mind precedes all conditions,
mind is their chief, they are mind-made.
If you speak or act with a pure mind then happiness will follow you,
as a shadow that never leaves.
– Dhammapada 1:1-2
rossum