I think with regard to FR, sure there are actual tangible effects to evil and good acts, but how much does that actually impact most regular people? (I'm not familiar with Forgotten Realms so if it actually has an impact feel free to correct me) People can still do evil things thinking they're good and there can still be moral greyness between people because the gods aren't constantly there scolding every individual person over their choices and actions. It just means for most people that when they die, they'll get to see exactly how right or wrong they were.