You have neatly illustrated why communication between us is fruitless. You know The Truth, that morality must be grounded on "real moral incumbency" (whatever that is), and therefore any explanation that doesn't include that is no explanation at all.
Yep. However, I have through communication with you illicited your implicit denial of moral incumbency, proving that you don't believe that there really are right rules of conduct, which means that whatever you are describing, it is something other than morality because the notion of rules of right conduct without obligation or duty is oxymoronic.
Cordially,