The song from Rent, No Day but Today, is half right. Regrets about yesterday are completely wasted, but tomorrow is another day, and if I get my act together today, then tomorrow just might be a better day .
I am unsure what churches you are referring to. Catholic, Orthodox and Anglican churches, for example, propose studying the Bible along with additional scholarship as well. They're not the only churches with this perspective, but they are the largest Christian denominations, and about two out of three living Christians belong to one of those three. Even Lutherans, whose founder coined the phrase sola scriptura, often supplement their Bible reading with critical and interpretive commentary, some of it written by Luther himself.
I agree that there is a potential for a religion to create or aggravate the problem which it purports to solve, like the bar that serves salty snacks for free. If that problem were salient, then it would seem easy enough to address it directly. It doesn't follow that the product is defective because the marketing is dubious; the bar probably does serve beverages that quench thirst.
Apart from that, however, it is dicey to propose that adults aren't typically making choices that suit them in their actual current situation. By all means, you personally should explore this domain with whatever strategy impresses you as promising. It is not obvious, however, that there's anything wrong with people whose strategies differ from yours.