I appreciate all the responses.

I don't know about Pascal's wager, so I can't address your former points.

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3. Would God, who knows all your thoughts, really reward someone didn't really believe in his heart, but went through the motions to assure his spot in heaven?

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In my example, I wasn't necessarily assuming that Joe would weigh whether or not it was worth believing in God & Jesus. I was assuming Joe's belief would've been sincere.