Your attitude about money reveals your attitude towards God. James cries out against using wealth for self-indulgence and luxury. The failure to use resources to advance God’s kingdom, relieve suffering, and honor God reveals a lack of faith and spiritual maturity. Genuine faith in Christ is revealed by attitudes that trust God, and actions that honor God with your money.
Someone might have a distrust of institutions generally, or the Church specifically. If that is the case, ask questions. You’re likely to get very reasonable answers. However, don’t use a claimed distrust of institutions as a smokescreen for not trusting nor honoring God.