(*Religious wars, genocide, human sacrifice, jihad, general intolerance of the unlike, etc)
This is true, but then most people have the opportunity in daily life to covet their neighbour's property or to return harsh words with the same; few people have to fight the temptation to start a crusade or sacrifice a child to Baal. I think on balance the incentives provided by most major religions - at least, the ones I can think of - are to behave in a generally decent way, though you're right that we shouldn't necessarily equate divine commandment with morality. In fact, I'd question whether acting in a particular way primarily out of fear of punishment or expectation of reward - in other words, for fundamentally selfish motives - is a matter of morality at all. To use an old officering phrase, character is how you behave when nobody's watching.