I may want to take out a loan some day.
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God isn’t a person with mortal standards U think you could use some savings.
There is no God. Its an idea created thousands of years ago - for people to feel better about dying and being arseholes to their fellow man/woman.
The bank manager on the other hand is more likely to give you a line of credit if you havent defaulted in the past. Ive got a limit of a grand on a credit card and a 500 overdraft. Not bad for someone on benefits thats hasnt worked for 27 years 
Of course there is God. So many genius philosophers have proved it. You are just not educated