effectively handing over moral authority back into the hands of humans
This is what happens with 'disorganized' religion, too, but on an even worse level. You are effectively putting all the pressure on the individual to apply a spiritually higher moral authority on themselves which is almost impossible without outside guidance. Thus, there is no social pressure to adhere to the truths set out by the religion. This is like saying organized society is silly while completely omitting the fact that the individuals that form that society would still form a group to inform their own decisions. Religion is a very personal thing, but if you want any sort of semi-strict adherence to doctrine to become normalized and widespread in society you have to actively make it organized. People will misuse that power, but in every single community there is someone who will (unintentionally or not) misuse their authority.
This is what happens with 'disorganized' religion, too, but on an even worse level. You are effectively putting all the pressure on the individual to apply a spiritually higher moral authority on themselves which is almost impossible without outside guidance. Thus, there is no social pressure to adhere to the truths set out by the religion. This is like saying organized society is silly while completely omitting the fact that the individuals that form that society would still form a group to inform their own decisions. Religion is a very personal thing, but if you want any sort of semi-strict adherence to doctrine to become normalized and widespread in society you have to actively make it organized. People will misuse that power, but in every single community there is someone who will (unintentionally or not) misuse their authority.