Is it ok to worship God just in case?

Seriously, some Christians on here would have me believe that as long as I fake it I'll be ok. They use Pascal's Wager, which basically says, if I don't believe and I'm wrong I'm S.O.L. But if I do believe and I'm wrong I'm ok. To me that sounds like people actually think it's ok to believe, "just in case." They use religion as their insurance policy. I think if I'm going to believe in something it should be because I believe in it, not because I'm afraid to not believe in it. I know many people believe in things for real and true and good reasons. I respect and admire those people who have faith because they believe, not because they think it'll get them out of Hell. So I have two questions. First what are your thoughts on Pascal's Wager, and second could people please stop trying to use it to "scare" me into believing like you do?