A lot of people don't actually believe in whatever religious organization they belong to and use it to manipulate those that do and amass power for themselves. Church of scientology isn't the only example, but it's a good one. See also the fact that if everyone genuinely believed killing yourself for your religion would lead to eternal paradise, suicide bombings would be reserved for the highest ranking officials.

Working full-time for a wage that won't support a family.

A family?? How about 1 person.