It is faith without work is dead, not work without faith is dead, what do I mean? Prayer should come first in whatever you do, then you put in work to back up your prayer, especially in areas that your effort counts. But I do agree with you that prayer alone is r enough to do the magic, prayer is o ly there to give your work and effort the push and effectiveness it needs to be productive and yield the required results.
If a trader enters the market with prayers alone without knowing anything on how to trade, he is no longer trading, but it's gambling since he is now relying on luck or faith from his prayers.
Am not saying that prayers is bad, what am trying to say is that what you are saying here is true, prayers without working towards achieving your set goals will likely ends in failure because faith without work is dead, that's a spiritual law in place.
This is one aspect that most religious traders fails to understand, they don't know that for prosperity to happen, you must work, not by just praying and believing.