First of all, we all invent our own morals to the extent that we choose what to believe. One could believe every letter of the Bible, but one would have chosen that as a belief system and so made ones own moral code. Second, while I have little doubt that there is some correlation between being moral and being religious, being secular does not "dictate" selfishness. My father is secular, yet you could find few people who are more morally strict with themselves than he is. JavaBlack and africanhope are far from selfish, and they are both secular as well. I think that basic ethics (except in psychopaths) exist in all of us a priori and that, while we need something to bring moral concepts to the surface of our minds, religion is only one of many tools with which to do so.

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"Some people complain about the system. The system is not good, so they can't do anything. It's an excuse. Freedom is in your heart." (Jin Xing)