Whatever helps you sleep at night. Karma will present itself in due time.
Karma comes in many forms such as being crapped on by birds, car accidents, tree falling on your car, your LCD TV randomly falling on the ground, getting hit by a foul ball on an astros game with your girlfriend.![]()
Behavior really shouldn't be contingent on fear of the potential retribution visited upon the amoral by the universe; should come from a personal desire to do that which is right for it's own sake.
Additionally the OP was expressing his opinion that most people who espouse virtue would most likely fall short in the dark quiet times when no one is looking. Such cynicism aside, I believe the OP has expressed his thoughts on the matter and is ready to ponder other moral and ethical concerns.
Cheers,