Not high bar ?
Financially there is significant amount of contribution expected to be made, in some countries like Germany the state even now would collect it on behalf of the church ( Catholic) ! I don't even know if it is possible to officially declare Catholic to the State and not pay the taxes.
Ethically joining a religion would also mean you are tacitly approving every horror that religion as an institution is committing now (like child molestation or coverups, corruption, treatment of native residents say in Canada, blatant discrimination ( is a black-gay-trans pope (or equivalent) possible ? ), or has in the past( genocides, conquests in the name of God, racism, witch hunting, anti science stances and so on).
More than half the wars in history have been in the name of religion, how would you without emotion accept all that baggage ? No rational person with a modicum of ethics can accept it, only indoctrinated faith from a early age can sustain this construct.