I don't limit the phenomenon to Christians. It's bible believers (not just anybody who call themselves Christians, but the ones who focus on written Scripture) that I typically interact with.

You hit the nail on the head by identifying fear and the acceptance of risk as central to one's choice of moral system. "We can't accept letting every stakeholder play a part in moral reasoning. What if one of them reasons wrong? Or what if somebody takes advantage of the system?" So, all too often, they'll settle for nothing less than golden promises of perfect divine flawlessness.

All systems can be gamed by cheaters. I'm much more interested in whether a system allows for gaming the system to be corrected, than whether it can be gamed. This applies to my designs for board and card games, to computer software, to governmental politics, or for any other system of interactions.