Is it possible that the belief in an afterlife is just an extreme gamble? You're surrendering the life you have on a bet against a life that might not even exist! The odd always favor the house
Pascals wager basically. One answer to which is. If there is a god who decides your fate after death, then is it more likely to favor one who places faith in the ten thousand to one shot of picking the right god out of the multitude. Or is it more likely that even god prefers the honesty of an atheist. Silly but there you are.
Whenever I get hit with Pascal's Wager, and they ask me what I've got to lose, I just say, "My soul." You're asking me to sell my soul on the off-change that there will be an afterlife. The afterlife doesn't appeal to me if I'm running around without a soul.
If the afterlife or "heaven" is a metaphor for the Powerball ... look, I'll plunk down $2 every now and then for the "lighting-strikes-my-head-at-the-same-time-a-gopher-punches-me-in-the-testicles" odds on winning tens of millions — but I'm not spending an hour on a perfectly good weekend (minimum) and praying to empty air each day.
But as @snytiger6 said, the investment isn't about reality.
In the Powerball, your money is really spent in the fantasy of what you'd do with all that money.
In the afterlife, your church and prayer time is really spent in the fantasy of living well and forever and watching people you don't like suffer gruesomely.