why would you want to believe God created you if there is a possibility that you are answerable to him.

I think what our somewhat hard-of-thinking friend is getting at is Pascal's wager. If you believe in God and there is a God you go to heaven; if there isn't you don't notice. Conversely, the unbeliever if right will not notice, whereas if wrong will face eternity in hell. Which works (for cowards) if there is only one possibility of the identity of God.

But if you spend your life pleasing the wrong god you are no better off than the atheist. So you spend your time in fear of Jesus or Ahura Mazda, and it turns out Allah was the boy all along. Or one of ten thousand others.

All in all, if you only have one life, and you waste it living in fear of a bogeyman, that's it, it's gone.

So an agnostic might reason that he's as well off living without the specific prescriptions of any one presumed deity, and hope that if a god actually exists he/ she/ it will be amenable to reason.