I'd go with the cultural thing, though it doesn't explain the minority that convert, it does explain the masses. Most people aren't like some of the brilliant individuals who have reached their faith through their own conclusions - they aren't willing to look into other faiths to "make sure they are right".
Of course, truth and being right is personal. Even in provable situations. If you believe something enough, it becomes truth. This isn't a bad thing. Truth for one person is not truth for another.
My father's girlfriend is Iranian, brought up with Islam all around her. She moved to Italy and became a "Catholic" (although quite possibly, the worst catholic in the world). She complains about Islam all the time, because shes experienced living under it's rules and disagrees with them.
Having a "bad experience" puts you off a religion. It's hard, for example, for those unfamiliar with Islam to see past the terrorist attacks in recent years in the supposed name of Islam.
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People should follow whatever path they choose or none at all but if they are on a path and find it dead and stale maybe they are on the wrong one.
I think I agree, but then I have to question do you think you are ultimately right? If you do, it seems to contradict what you're saying. If everyone should find their own path, then none of them can be right. If none of them are right, why find any path?
It's practical in this world, from an atheist perspective anyway, to follow the path which is your own... But from a religious perspective, how does that work? The point of faith is not only to lead a positive life (which is the bit I agree with) but to amount to something when you leave this world (the part I don't agree with).
The thing about picking a religion is, in theory, one
must be right... And nobody has any more than personal ideas about which one is. "Finding your own path" is all very well, but quite frankly, what is the point?
I hope that was easy to understand?