Some textual contest of the Bible might be confusing especially if we don't have someone to explain the theological expect of it. It is natural for a believer to be curious about his/her faith but what matters is where that curiousity leads you. I believe to an extent no one can really fathom the origin of most of the stories in the Bible because how many of those people do we have around now. But there is a spiritual being that was given unto us to guide us whenever we feel we need some answers and that is the holy spirit.

I'm not saying your judgement is wrong but probably if you allow more connection with the holy spirit some of this things might become clearer to you because comparing the basis of Christianity to an investment is a little far fetched. The way of the lord is beyond the thinking of humans.