That is not a credible answer.
DO you believe that stealing is wrong, and if so, when did you come to that conclusion?
When I realized that you can get in trouble for that.
Fear of consequences is not learning something is wrong.
Or are you stating that the only thing keeping your from stealing is fear of being caught and punished?
I'd say yes, his vaunted "personal morals", which are allegedly so superior to morality derived from the Bible, are nothing more than positive and negative personal consequences to himself, and involve little to no thought of higher concerns of right and wrong, obligations to others, etc. I haven't heard anything from him yet that looks like an actual moral code, as opposed to self-interest.
This dicussion always has a bit of irony. Religious people will swear up and down they get much, most, or all of their moral code from their religion. This is utterly false. The people alive today in our modern societies get their moral code from our modern culture and modern morals, which derive from concepts like classical liberalism and scientific enlightenment. That's why they have better and more rational morals than did Christians from 400 years ago, despite carrying around the same book of instructions. So, the irony is that every single one of you is a walking, talking, living contradiction to the overwrought, hopeful points you are trying to make about your moral codes.
Sorry, but you're wrong on several levels.
First of all, our "modern society" bases its moral standards, one way or another, on the "outmoded" morals of previous ages, either by trying to re-invent the wheel and come up with "modern" reasons for doing the exact same things or by arguing against things for some reason or another. There is not a single, solid moral truism that has been invented by "modern" society. It's either plagiarized or utter crap.
Second of all, religious people adhere to somewhat different moral standards than non-religious people, either because their religion requires things that non-believers simply don't do, or because of very different reasoning behind their actions, or because of the aforementioned invented crap. There's not a single truly religious person out there who cannot cite to you the exact reason why they hold a particular moral view directly from their holy book, and they will do so if you bother to ask them.
Third, "classical liberalism" and the Enlightenment you lefties are so very fond of citing both had Christian moral principles as their foundation. Hate to break it to you. Actually, that's a lie. In fact, I rather love shattering all your arrogant delusions into a million pieces.
Allow me to introduce a couple of excellent books which will expand your knowledge of "modern" Western society:
https://www.amazon.com/Inventing-Individual-Origins-Western-Liberalism/dp/0674979885/?tag=usmb-20
https://www.amazon.com/Catholic-Church-Built-Western-Civilization/dp/1596983280/?tag=usmb-20
Everything you leftists like to proudly proclaim as the birth of "modern" moral thinking was nothing more than building on the foundations that were already in place before the Renaissance.
Fourth, there are no "better and more rational morals" than Christianity. There are only expanded understandings and applications of the old morals, eg. when slavery was abolished in the British Empire because of Christians who came to understand that EVERYONE truly was a child of God with a valuable soul, not just white people.
The real irony is that all you puffed-up, self-satisfied leftists are actually a morass of borrowed Christian morals desperately trying to believe that you're smarter than the whole of human history before you, and able to invent morality out of the whole cloth, in just a short portion of your individual short lives, that is superior to centuries of philosophical thought, learning, and observation.