Ask

To an agnostic, I presume all guesswork on what made us is, by definition, premature. We might say we don't know. Technically I don't "know". For me, it's something I would strongly go for (based on experiences and self-reflections) rather than a truly smoking gun (in the sense that it's hardwired into the universe). You would certainly be right about most "churches", not necessarily all churches and not necessarily all spiritualities, with the history of the Catholic church coming to mind since so much of it has hijacked what Jesus actually intended (with the structural doctrine not even reflected by the divine doctrine) from the moment of Paul. My own group/church is always thrown into a loop since the Catholic teaching of the Nicene Creed is used as the ultimate test for what is considered "Christian", even though Jesus himself did not necessitate what it says, and we are seen as not following that. Denominations, sects, cults, whatever you want to call them, it's on this sublevel where you actually find these kinds of debates, as well as the exploitations you're alluding to (the churches I frequent don't have those monetary habits, it's just a group of people honoring one history).