Is it fair to say that atheists don't think we will be held accountable for what we have done in our life?
I will not be held accountable by some supernatural omnipotent alpha humanoid at some imagined judgment day after I am dead and gone. But I am held accountable in real time by those who are affected by my actions. Humans are intensely social animals, and a raised eyebrow on someone we respect is instant and powerful accountability.
Similarly, something as simple as a toast with a plastic glass of orange juice on an airplane can be a powerful reminder that we need to pay continuous attention to our relationship with those closest to us.
Sometimes I wonder, if people who obsess about that Dies Irae don't miss out on these here and now accountability lessons."