Well this thread was directed at people with religious beliefs, so I think I will chime in.
First some background. I consider myself a pentecostal christian. I was born and raised in the church, though the decision to stay in it was mine, and was made with careful study. I will answer these questions as best I can, but my denomination does not have a hierarchy so I may not be the best example.
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I believe that the clergy at the lowest levels are sincere, caring, people who probably believe in the theology they preach.
For the most part, I agree with this. Most (not all) are these kinds of people.
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At higher levels, I believe there are some (if not many) hypocrites more interested in their own power, prestige, et cetera than theology. At these higher levels there might even be some non believers.
Here is where I have little experience, but here is what I believe. At the higher levels there are many who are frustrated with what they have done. Most of these people started out as simple pastors or priests and have since risen levels. During their initial work many became frustrated that no matter what they did things around them failed to change. Most will have lost the vigor that they once had for their work. It happens to people in most professions. At this level most deal more with beauracracy(sp?) then with theology.
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When it comes to the "Electronic Church" (EG: Jimmy Swaggart, Peter Popoff), I believe that most (if not all) are charlatans & con artists. To me the major difference between them and swindlers are they make more money, what they do is legal, and their victims do not end up feeling foolish for having been taken (In fact, many actually get something for their money, namely some peace of mind or a better feeling about their faith).
This is a different thing all together. I doubt very much that any of these people started out their careers to become con artists. But when the money started flowing in in huge quantities they became corrupted by it. Initially I am sure that the money you sent in went to simply sustaining the organization, and still does. Only now you also have to pay those million dollar salaries. That is when the money comes before the message. So I don't think that all are con artists, and I think that most never intended to be that way. But like us all they are human, and they are weak. Indeed these are good examples of "The spirit is willing, but the flesh is weak"
In response to Gen-X:
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I once witnessed a series of events where a new minister entered a congregation and proceeded to start doing things his people were not very happy about. There were rumblings in the church about how the people did not like their minister doing what he did (raising hands, the rest were very reserved) and the next week he said he was inspired by God to do this sermon..... It strangely enough focused on all the areas of the Bible that say you SHOULD raise your hands.
Sadly this happens quite often. This is a case of stubbornness on both sides. The congregation was happy with the way they were worshiping previously and see no reason to change. To them what they were doing before was good enough so "don't rock the boat"
In the case of the minister, he was so sure that what he had was what everyone needed that he refused to listen to them and resorted to brow beating them with Bible verses. This is human nature coming through, and another fine example that ministers are human, no more, no less. They are subject to the same flaws and faults as the rest of us. The difference is that when they come before God they will be judged much more harshly then the rest of us.