<p>EVER SINCE SEPT. 11, 2001, American scholars, pundits, and ordinary citizens have not hesitated to offer their opinions about the state of Islam. Critics say the religion is long overdue for the kind of a thoroughgoing reformation that modernized and diversified Christianity in the 16th century. More sympathetic voices argue that today's Islam is not an ideological monolith but a thriving culture, with as many Islams as there are Muslims. But what has been virtually ignored is that there are Muslims, both in the Muslim world and outside it, who want nothing to do with Islam, moderate or otherwise.</p>