Hi TZ! I wrote a long reply this morning which was lost. Hmmm, I was probably too long-winded anyway.
But what I wanted to say was you are absolutely right. It is terrifying! It's like we're in a car hurtling down the road without a driver. Even worse, as though we're in an airplane with no place to land.
Religion has answers, but are the questions the right ones? A belief system where you must believe as someone tells you to and have faith in miraculous happenings is impossible for me to accept. A rational person such as yourself would have, I suspect, an even harder time.
What has been my saving grace, or at least a comfort in this vale of tears, since I moved away from my Catholicism, is the Taoist philosophy. (Note: Taoism religion is a whole 'nother ball of wax -- full of superstition and magic.) The straight Dao De Jing, written by Lao Tzu, is ancient and based on an even older, earth-based belief system, yet it seems fresh today. There are many translations which are worthwhile and you might try reading a bit of it. It is readily available online. You may not agree with all of it -- a Taoist won't mind as long as you will laugh, perhaps have a drink or a dance, and enjoy the moon sailing through the sky. We're easy. If there is one word that would describe this philosophy it is acceptance, if two... enjoyable acceptance.
One of my favorite parts of Taoism are the three jewels -- three things to value and try to emulate. They are compassion, moderation and humility.
I don't want to proselytize, but here are a couple of websites that you might like to see:
Taoism & Zen
Taoism Depot
Taoism is also noted for its poetry:
You ask why I perch on a jade green mountain?
I laugh. But say nothing
My heart Free
Like a peach blossom
In the flowing stream
Going by
In the depths
In another world
Not among men.
Li Po
Do you think you can take over the universe and improve it?
I do not believe it can be done.
The universe is sacred.
You cannot improve it.
If you try to change it, you will ruin it.
If you try to hold it, you will lose it.
So sometimes things are ahead and sometimes they are behind;
Sometimes breathing is hard, sometimes it comes easily;
Sometimes there is strength and sometimes weakness;
Sometimes one is up and sometimes down.
Therefore the sage avoids extremes, excesses, and complacency.
Dao De Jing - Chapter 29