Exactly. It’s indulgences for Protestants, but without the priestly vows of poverty or the internal justification that the money is going to the poor. Hell they don’t even believe in purgatory, at least in indulgences there’s the idea that you’re going to be having a bad time and that through acts of charity you can buy your way into less. No this is instead you trade wealth on earth for divine favor in the form of wealth on earth. I struggle to imagine a lazier scam.