I believe a varity of different fates we have in store for ourselves depending on several factors, our awareness at death (specifically, do we realize when we have died), our spiritual ability and aptlitude (are we capable of building our spirit at death for our conciousness to reside in, and transferring our conciousness from our brain to our spirit), as well as power (are we able to defend ourselves in the afterlife). I don't believe that a living being has a soul or spirit, I think that's something one needs to create when they die. Morals don't matter IMHO.
With that said, I think that most people end up dead dead, with no afterlife, some people are able to sustain themselves after death, some people may possess the body of an unborn child and become reincarnated, some people may go off to other worlds, some may stick around, etc, you get the idea.