Hmmm, I've never been called that before. FWIW, I don't believe in my own religion, but I have my own personal feelings about my creator.
For what it's worth, I've never met a person who completely believes their own religion. Every religious person I've ever had a religious discussion with expresses a personalized view of what God must be based on their own sense of morality and justice.
A powerful argument in favor of a supreme being is that it makes possible absolute morality and gives that moral code the necessary authority to drive people to behave accordingly. The problem I've seen is that even "older" religions like the Catholic church evolve and they do so in accordance with mortal ideas of what constitutes right and wrong. But while the large religious institutions change more gradually individuals are constantly inventing and reinventing their own notions of who God is and who He must be.
To be on topic a little, the idea of an afterlife is the byproduct of the fear that comes from our awareness of our own mortality, the grandest of all self delusions that allows us to face reality.