When the banks scammed everyone with their financial mis-selling tactics the victims weren't stupid people. The banks were suppose to be trustworthy sound businesses, and people trusted them to make the right decisions and advice. People were lied to and stolen from.

Same with the church. It is supposed to be a trustworthy business and people naturally follow it's advice. That doesn't make them stupid.
The church tells people that xyz will happen when they die. Not might happen, they sell it as fact. Yet as discussed earlier, not a single person on the planet knows what will happen when we die. So clearly the church is lying and mis-selling.