Is it useful to believe in religion or fortune telling in a bad state of mind?

Yes, people with faith will get some peace in their hearts, but they need to believe from the heart. If they can't do it, it won't work. As for fortune telling, if you feel that fate has some truth, you won't be too entangled in personnel, and you will conform to fate. Even if you are poor, your heart is peaceful. This is also the reason why Lotte know life is not worried.