What? That's bullshit, then it has nothing to do with morality! Morality's about the things you do, consciously and personally. If I donate to save the fluffy bunny rabbits but actually the money gets pocketed by a soulsucker of a person or company, then I didn't do anything wrong--I was in fact doing what I thought was morally right.

So you gotta gain points to get to heaven, you lose points and go to hell, and everyone starts off with a balance of zero, but even unforeseen and unintended consequences make you lose points, so...what, does everyone end up in hell?