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Moral development teachers often say that becoming moral requires enough emotional development to feel guilty when we do wrong, enough social development to accept our responsibility for behaving in agreed upon ways towards our group, and enough cognitive development to be able to place ourselves in another person's shoes.

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Okay, I can see this and agree with it.

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But just because you develop some of these qualities, it doesn't guarantee that you will develop a wise and effective philosophy of life.

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Who determines what a "wise and effective philosophy of life" is?