I’m not saying your position is wrong or irrational. You chose not to participate in an upside which can be a lottery ticket. It’s a fairly rational position. You asked why you were being downvoted so I tried to explain the reason, which it seems like you were already mostly aware of.

And even if the funeral is as you describe, my point is that people don’t usually want to be told at a funeral why the deceased was wrong. It’s for emotional support. Like this post.