I’ll take these in reverse order.

MC Banhammer Posted:

”If there is no deity who created the universe, then where did the universe come from?”

This bumumes the universe had a beginning, and that it needed a cause, and that at one time, it did not exist. Of course, time only came into existence with the universe, so the question is invalid to begin with.

MC Banhammer Posted:

...there could be a penalty on you for not believing it. Which is the more logical course of action?

Pascal’s Wager.

MC Banhammer Posted:

I don’t believe there is one, at this point in human history.

Since atheism is a lack of belief in any god, I respectfully suggest that you’re an atheist. It doesn’t speak to knowledge – I don’t know there is no god – but I do not believe in any gods. Therefore, I am an atheist.