Basically, from an EV perspective, there's much greater value if you forego the money. If Heaven exists you benefit for a much longer period of time (eternity) than the time you have left on earth to enjoy the million. Also, if we believe in Heaven we have to agree that the happiness that we experience there is infinite, while the happiness, if any, we can get from $1 million is clearly finite. Plus there are other ways to get a million but no other way to get to heaven if we take the million.