naturalism and morality

if there is no god; if there is no afterlife, does this mean there will be no need for morals. though many, maybe even most, people are naturally good and do no evil just because of their love for community, there are those who only resist temptation to do evil for fear of punishment. even though law exists to prevent crime, religion does a better job of it because the afterlife goes on eternally for some yet law can only touch you while you're alive. So, when we remove religion from the moral equation and remove fear of eternal damnation, do we oen the door to crime and sin?
to at least some extent i believe we do. if people were to believe that the here and now is really all that exists, not much would stop anarchy. there are those who only restrain for religion and without religion, there is no restraint.
on the other hand, there would be no religious wars, no need for hatred between sects of people but who's to say that humans wouldn't just find something else to bicker about? the spread of the naturalist view could have catastrophic effects on our world, or it culd heal a great many wounds. we cannot part the veils of time and so the question may be irrelevent. however, the notion is somewhat terrifying.