Lets just say you have a valid theory. Look at OJ. He got off. He had enough money that he got away with (some will say) murder. He is reviled. No one likes him, he has people hounding him for money and has actually been so revolting that even in American society as a celebrity he is unacceptable. He is so reviled that the book he wrote, even interviews that he gave were cancelled-for no other reason than that he is repulsive to society.
So he has the money, can have sex with whomever he wants, can get away with murder. But say this is his only life and he will one day be, like the rest of us-worm food. Right now no one wants him over for dinner. No one wants him petting their dog, much less dating their daughter (or son). His own children don't seem to want much to do with him. Legacy smegacy, his life right now is for crap. Would you want his life if you could 'get away with murder'? He doesn't need hell after life-he has created it for himself in THIS life-because even if God doesn't 'get you' in the end, our society will get you. And even if you technically get away with it-you would have the social standing of a worm. The kind that slithers on the ground. And all that dirt would tend to spoil the taste of the fine champagne and would dirty up the nice jewelry. If this life is all you get-multiple orgasms won't keep you happy. Stuff doesn't make you happy.
A teenager in our neighborhood just killed another kid at school yesterday. 18 years old. Lived like there is no afterlife. He will spend his entire life in prison. Because living that way-like there are no consequences, doesn't work. And if you start living that way before you can even consider the consequences,then you are more screwed. I think the ethics and values in society don't require a belief in the afterlife to make sense.
BTW, I have no firm conviction in God or an afterlife at this point, and I believe just as strongly-if not more so, that the way we live in this life is important for us NOW. The way you feel about yourself and your relationship to others matter now. And your hypothetical world cannot exist for long. But I guess if you die early as a result of it-that will be your immediate consequence (wages of sin being death and all that!) and you won't have 90 years to test your theory. Not to mention-did you have children just to disgrace and shame them? Because we live with those things in this life. What we do to our children matter to parents whether they believe in an afterlife or not. I have always made my choices in life in a way that relates to my childrens well being MORE so than any consideration of eternal life.
Many people live to gratify themselves no matter what they believe. Most don't lose all sense of those around them in the process and maintain some decency in the meantime.
Do you think all those that don't believe in an afterlife live the way you describe? Or do you believe that most people secretly harbor a belief in an afterlife?