Seriously though, I think the motivation in a way is more important. Because once the external motivation is taken out of the equation, many religious people will stop caring about charity. That's why many religious people and apologists think humans would be immoral without God. And that goes to show how unethical they are deep down, that they need something or someone to constantly watch over and judge them for them to do good.
I got in this conversation late, there are already so many interesting points. I will however start here.
Indeed, Abood there are religious people of this thought that people are all bad and would need a constant threat to be good. Actually I would say this is a pathetic point of view. In this I suppose. I'm agreeing with you. However may I point out way of thought is not a given among religious people there are those who would make the point that humans were created in God's image. Therefore their basic tendencies are to be good and kind and merciful. That in fact when we see the horrific cruelty carried out by some humans it's due to poor circumstances, bad choices, mental illness.
I haven't completely read the complete thread yet however these are the two things I'm thinking so far:
1) That it would be way to general a topic to discuss as religious and nonreligious people. Mostly because of stereotypes like the you expressed and the one Ishina expressed that most nonreligious people have at one time been religious. Needless to say to there are also may others.
2) The diversity of thoughts and ideologies among any given group of believeers or unbelievers has the likelihood of being of importance.