If we do #1, there would need to be some sort of organization created that would provide similar services for 'mortalists' or nonbelievers or whichever, otherwise those of us who have chosen not to follow a deity are needlessly penalized; if such a penalty is the intent, I'd like to see some sort of advantage to balance it out. Unless, of course, y'all feel that it's vital to the world for everyone to have a deity, like is true for the Forgotten Realms. I think GnomeWorks had something going with his Mortalist sect.