My analogy for beliefs is investment theory. I have varying faith in different beliefs that are revealed by my choices as I live. For example, maybe naturalism/atheism 40%, pantheism 20%, vague Christianity 10%, etc. The percentages change too.
Also I unconsciously invest more in beliefs that I find exciting. Wouldn’t it be great if UFOs are real? These beliefs are high risk but high return for me.
I suspect there is a gray area between normal and psychotic. Just as people go in and out of hypnotic trance throughout the day, maybe people experience hallucinations and illusions much more than most realize. Or maybe some people’s brains don’t like the loose-ends of coincidence and tend to invent causes and patterns.