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Phantarch I understand your point about worship being NECESSARY. But I still think worthiness of worship is a major part of the discussion.
The afterlife system presented by the setting, including all the trappings like the Fugue Plane and the Wall of the Faithless and so on, seems flawed. Or it seems flawed in certain ways, at least, especially if viewed as a Good-aligned character may view it.
As such, I can fully understand a character taking the stance of being Faithless. There could be any number of reasons for this. I could even see it being something done subconsciously. It might not actually be a choice on the character's part.
I should state that (as I think I did once 300 posts ago in this thread) I'm actually not a huge fan of the wall myself. Actually, I find the great wheel cosmology revolting as well (your soul is slowly consumed by whatever plane you go to until you disappear or become an altogether different entity with no memories of your former life...WTF?!). I actually prefer systems like Eberron's afterlife where everybody goes to a crappy place like dolurrh and slowly fades from existence...but the various religions teach that there is a glorious afterlife that awaits after you fade away from the crappy purgatory. This opens up all sorts of religions AND atheism that can't be proven one way or another.
That being said, if I were going to play in the forgotten realms, I think that I would try to work within the framework presented, and that is the stance that I've been arguing. Given the framework, I think that a truly faithless person is anathema and evil in the system.
However, I think it's a pretty big leap to go from "I hate the wall" or "I'm mad at the gods" to being a Faithless or an atheist. I have argued previously that there are plenty of in-story justifications for the good gods tolerating the wall. Also, there's probably an obscure god of rebellion that hates the wall and would gladly accept your worship AND your goals of tearing down the wall.
The way I see it, there are three legitimate options in the forgotten realms:
1) Accept the status quo and worship the gods that influence your life. And this is probably the only real option for the mass majority of the population.
2) Seek to become a god by creating some minor portfolio that hasn't been created yet (I am Featherbrain, lord of Bird Watchers!).
3) Seek to overthrow an existing god who you feel hasn't been living up to your expectations of its portfolio.
With either 2 or 3, you can then, perhaps, start to affect change within the system and actually start working toward dismantling the wall and finding a more humane option. Obviously, 2 & 3 are one in a billion shots and are long roads, but those are the only real options that I see for affecting a change of the cosmos. And to successfully pull off 2 or 3, you are probably going to have to give in to the gods a little bit.