The rationality of irrational belief

I was reading some forum posts about Scientology the other day, and whenever that subect comes up my first thought is always "How could people believe something so stupid?" After some thought about it, I came to the conclusion the reason is not stupidity or irrationality, but specialization. It is irrational to learn how to fix my car, since if it ever breaks I can pay a specialist to do it for me, and the cost of paying for him to do it will be less than the cost of learning how to do it myself. Likewise, knowing too much about theology or the origin of the universe is irrational. There are people who spend their lives studying these things and the price I will pay to understand these things will generally be more than the benefit I derive from the knowledge. So I just choose an expert and believe what they believe. However, there are many experts out there and many say contradictory things. So how do I choose an expert? I could read their positions and research which is better. but to do that I'd have to become and expert which I have no desire to do. Another way is to pick an expert who is part of a group I already trust. To apply this to Scientology, one expert says that the reason you are depressed is because of an imbalance in the neurotransmitter levels in the brain. The other expert says that it is because of some spirits that attached themselves to you when your mother screamed during your delivery. The second expert also said that if you hold two cans in your hands while imagining past traumas you would feel good afterwards. The second expert was right about that so you decide to trust him about the reason for depression.
Another example in the news is the creation museum. I know a couple whose baby was born with a hole in his heart. The doctors told them the baby would need surgery to survive. The couple belonged to a church which told them God could heal their baby. The hole in the baby's heart closed suddenly without surgery and the couple ascribed this to God. This couple would be rational to believe the creation museum, over the explanations of paleontologists, since God healed their baby and what has a paleontologist ever done for them? Now most people who believe creationism don't have a healed baby, but have received other things from their religion, peace of mind, purpose, feeling of being loved and a part of a community.
This also explains how most political positions are chosen. Each party has its experts, and we choose which expert to believe based on our feeling toward each party.

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