I would argue that nobody gives money to their church as a form of community participation. Rather, they give money in the hope that they can buy their way to salvation or as payment to ease their guilty conscience. Probably both.

As someone raised in an authoritarian Calvinist belief system (albeit not in the US) it’s simpler than you think in my opinion. People in general believe whatever fits the random things they absorb into their psyches growing up as kids because being kids they have no yardstick to differentiate between fantasy and reality other than what the authority figures in their life tell them and the evidence of their own eyes. This is true whether you’re raising someone on a diet of intellectual curiosity, a diet of pernicious cult-adjacent nonsense, or anything in between. There’s a reason so many people who’ve left similar authoritarian beliefs love “The Truman Show” in my experience but it’s true for everyone.

Part of being human is that our perceptions unconsciously bend around our beliefs and that the stronger the belief the stronger the amount of bending. We all have this built-in bias towards existing beliefs to a greater level than we instinctively assume, although it’s usually a lot more obvious among authoritarian religious groups because their beliefs are so markedly different from consensus reality.

I disagree woth the third one, as it implies using critical thinking to evaluate the success of an organisation, be it in a positive or negative light. I haven't heard a single strongly religious individual immediately agree that Joseph and Mohammed were p*dos, and using that as evidence to make a sound reasoning and evaluation on their religion's moral principles.