I see. Thank you.
Mostly, misunderstandings come from linguistics, I think.

Simply referring to that rule as a 'god' personifies it.

Not, if you don't think of God as a person but a term, an expression of what you call the universal rule for lack of another word. Those people who feel offended by the word "God" and "He", written in capital, DO think of a male person. But since "God" is just an expression of something inexcplicable there is no insult involved.

IF we are all one, all the same stardust, then there is no separation between humanness and the frequencies that shape it.

Though I agree that we are all the same (part of God or stardust, as you call it, which I find less useful since God is the older and more common expression, why using something else, other than for political correctness?), I think we need to agree on the very notion that as human beings we often feel separated, first.
This itching emotion that everyone feels very lonely in times is self evident.
To overcome that feeling, people convert to a religion in order to have a common experience and witness other humans practicing the same things by ritual (singing, praying, handling death). This social gathering gives a sense of coherence and belonging. On which all of us are utterly dependent on, I suppose.
The rules included in sincere religion are dogmatic and authoritative, hence, there is a hierarchy.

The insight that "there is no separation between humanness and God (the frequencies) that shape it", you can have on your own, that is true. But at the same time it needs you to experience it through commonly shared events (singing/music, praying, funerals, births etc.). You can have the best insight ever, if no one understands it, if no one shares it and uses the same language for it, you will stay alone and will get no or weak feedback, since what you in-sighted does not meet enough resonance. As a result, you feel powerless und mis-understood.

Changing an already fitting term, I find, causes confusion and makes the gaps of communication narrower instead of wide. If everyone thinks to find "his own terms" one will be on ones own, indeed.

You can't have 'good' without 'bad'.

I agree.
And those with ignorant or ill intentions will fill that confused space. The individual will then think that individualism (speaking in "my own terms" is protective while it is the opposite and makes one an 'eternal' single).