I agree that it's possible to practice a religion or to conduct capitalistic business without perpetrating a fraud. But it's an oversimplification to say that this problem is due to "some bad actors." The problem is more structural than that.

The theistic point about reward in the afterlife is structural for several of the major religion. You can get around that con only by secularizing these religions, by interpreting the creed as a metaphor, in which case we'd be dealing not so much with a religion but with a literary franchise or fan club.

And businesses may be able to operate without exploiting their workers, but as Marx pointed out, there are structural impediments to applying moral principles in capitalism. Capitalists try to maximize profit, which means they have to exploit their workers by alienating them from their work. The exploitation needn't be egregious since the profits could be invested back into the company instead of being siphoned off to make the rich much richer.

But other structural factors come into play to prevent that from happening for the most part. For example, the rich tend to be corrupted by their success. The concentration of power snowballs until the rich find themselves able to consolidate their status and privileges by capturing the government regulators, monopolizing the market, and dominating the masses. That's not just a matter of a few bad apples. It's a question of power dynamics and capitalistic economics.