What you believe or disbelieve doesn't change the truth. Truth isn't dependent on anyone's beliefs. It just is what it is.
I know you don't like to hear this, but yes you are accountable to God. Everyone is. There is only one God. Hindus, Muslims, Buddhists, pagans, atheists, agnostics, Christians, everyone is accountable to God for our actions in this life.
As for what you said about the premise that humans are awful beings, I never said that, and that's not my position. Please don't put words in my mouth.
Do we miss the mark? Yes. Do humans (before getting saved) have a propensity to do what they want to do, instead of obeying God? Yes. But that doesn't mean humans are all bad. We have both good and bad in us. A good thing is that we all have a conscience, which is a sort of inner compass of right / wrong.
So no, it is not my view that humans are awful beings and it is not my view that we need the threat of "divine retribution" to make the right choices. As Christians, we obey God because we love God. And want to honor God. Not out of fear. There is no fear in love, perfect love casts out fear. (1 John 4:18)
As always, you speak for others and mischaracterize the beliefs of others, which is incredibly arrogant.