This leads us into a whole other subject, which definitely deserves a page of its own. I'll do a piece on the foundations of morality next.
As for your slacker's creed, I'd say there are definitely cases where that's true but asking forgiveness is how one can play it safe so that they need not have to ask forgiveness later... after all, sometimes, forgiveness is impossible.
I look forward to reading that post.
Be sure to address the argument of Frederick Niche in the Ubermench. I'd be interested to know how you think he was wrong. If at all.