Who is watching?

Imagine you get a new neighbor. About the same time your neighbor moves in next door, fruit starts to disappear from your garden. Suspicious of your new neighbor you ask him if he knows anything about this. Your neighbor admits to stealing the fruit, then goes on to blame you for not keeping an eye on your garden. "How can you expect to not have your fruit stolen unless you watch your garden?", he states with a shrug.

A sentiment I have often heard from people of faith is "how can there be any morality without God?".

I would much rather have a neighbor that respects my property because it is wrong to steal rather than because he knows I am watching.

Likewise I think it says something about the lack of moral character when people think we need God to act morally.

If you believe God is needed for morality they you will never be a moral person. With or without God.