Yeah, it is true for all people. The theists believe that it is true for an atheists like me too.
Yeah, the theists believe that my disbelieving in Gods and Goddesses does not affect the fact that they exist.
Yeah, beliefs can be illusory and irrational. The belief in existence of God may be such an illusory and irrational belief, and so too the belief in prophets, sons, messengers, manifestations and mahdis.
Of course, there is a big 'IF' involved in reincarnation, as in all other kinds of beliefs when no evidence is available.
Well, Gods give you another chance to make an improvement, to be a better human being by engaging in good humane deeds and desisting from evil inhumane deeds (i.e., follow 'dharma'). The final goal is that you be so good to live in constant presence of Gods or merge with the Supreme.
Now tell me, where do you find a problem in this?