It decidedly does not generally lack these tools. A main point of many popular secular(ist) believe systems, e.g. such represented by humanist societies, is to

It decidedly does not generally lack these tools. A main point of many popular secular(ist) believe systems, e.g. such represented by humanist societies, is to question implicit assumptions and understand what fundamental philosophical believes one has, and they are built around how to do this. People are often not secularist because they don't reflect, usually they have specific reasons that they are aware of and that they might question in the future.