FWIW, I do think that terrorist suicide-murderers are cowards, and I think Maher is wrong on this.

They do not engage in the act of suicide-murdering innocents with the full knowledge that it will be the end of their own lives, period, full stop. Nothing to follow.

They commit these acts convinced that they do not literally die, but that their eternal spirits get magically transported to a place of eternal delights.

Cowards.