If you take your religion seriously enough, not necessarily. Catholicism has been at various points a significantly transactional system. Buy an indulgence, have some sins knocked off. The Council of Trent, “condemns with anathema those who say that indulgences are useless or that the Church does not have the power to grant them.”
If you’re actually a believer, and there is a set of rules of “Do A then B and you’ll eternally live in happiness, otherwise you might burn in hell for eternity” that you ascribe to… You’d be a moron not to do that.