Religious guidance in the form of holy books or even pastoral authority still requires a human interpretation, and that interpretation is imbedded in a social setting.  For example, if you read “Thou shalt not kill” in the Bible, but you are a soldier (or a policeman), you have to filter the religious guidance through the social milieu.  Another problem with religious authority is the “translation” from the original source to the current spokesperson (how’s your Aramaic?)  But the most pressing need for something other than simple religious authority is personal responsibility for the consequences of your actions – we live in a physical world with “laws of physics” to obey; we have our “reason”, our ability to use logic to foretell consequences of our actions, and as social beings and as receptacles of “souls”, we must take responsibility for our actions.  To justify everything based on organized beliefs is wrong-headed.