Protestant theology actually says the opposite of "you deserve blessings", historically. The "five solas" of the protestant reformation include "sola gratia" (salvation only by grace - undeserved good treatment), and "solus christus" and "sola fide" make similar points.
Certainly "prosperity gospel" teaching is rampant, but it has very little to do with the Jesus of the New Testament or with historical Protestantism.
> You can't think a fax is a gift from God if you don't think there's a God, for example.
You also wouldn't think that if you read the Bible much.
- Proverbs 13:11 - Wealth gained hastily will dwindle, but whoever gathers little by little will increase it. - Proverbs 22:7 - The rich rules over the poor, and the borrower is the slave of the lender. - Hebrews 13:5 - Keep your life free from love of money, and be content with what you have, for he has said, "I will never leave you nor forsake you."
You can find many examples of professing Christians (or atheists) doing stupid things. That doesn't necessarily mean that Christianity or Jesus is the problem. It's more often that they don't follow what they claim to believe.
You can't think a fax is a gift from God if you don't think there's a God, for example. And you won't be as predisposed to look at it as a break for you, if you don't think you "deserve" a break (or to be rich, or to be in business at all). And you immediately see the downside of any loan, the second you consider "Hey what if tomorrow isn't more flush than today?"