Very true. In fact, religious morality is the exact opposite of objective -- it is arbitrary, full of magical exceptions, and not based at all on relevant material fact. Once again, cunticula has it exactly the other way around. Does not surprise me.
I'd argue there's a bias towards equating "morality" with "good". I, too, can't see any way to have morality without a supreme authority. This doesn't mean there's no right and wrong, the responsibility for deciding what is what is simply left to the individual.
Not necessarily. It's perfectly possible to live morally without asking yourself, "Would God want me to do this to them?" All you have to do is change that question to "Would I want them to do this to me?" If the answer is no, don't do it.