Morals are a result of social interation between humans, which became much more complex around the time of the agricultural revolution. Humans became a stable species and could follow morals that wasn't directly a result of a need for survival, but for cooperation and unity.
As for morals today, I take secular morals over divine any day. Secular morality gives more equality and it doesn't discriminate against people who hold to another god than you, like so many "moral laws" handed down from gods have shown to do in human history. Even the Ten Commandmends are guilty of this, because they forbid other religions already in the first one listed. Make those law and you have a theocracy right away.
Where should we get our morals from? From a free marketplace of ideas, where everything can be scrutinized and questioned. If it is a good moral to have, like don't kill another human(with a few exceptions, like in self defense), it should, and in the case of my example have, easily stands the test if scrutiny.
I'll tell you what it is: a waste of time and brain-power. Why bother considering others when you can do as I do, and make all your decisions through the lens of personal gain? If an action is overall beneficial to you, you should not hesitate to do it. If that same action is harmful to someone else, why care? It shouldn't affect you at all. Making decisions with only economic considerations is a much more efficient way to secure personal gain.