I pretty much agree with you Psych. A religious belief is probably way more complex than a single gene coding for it though. I have a strong idea that the traits that make us human, also predispose most of us to a mystical way of thinking, unfortunately. Think about it. For most of our evolutionary history, the humans and proto-humans who could make reasonably accurate judgements about the way the world works (without the benefit of scientific reflection of course) were more likely to fare better. This is where intuition, stereotyping, and mystical explaining originated. It worked very well for dealing with potential tigers lurknig in th forest, foreign tribes with unknown intentions, and the vagaries of natural phenomena.
Today (and for a ling time) we have scientific ways of dealing with these questions and situations, but it is apparently very, very hard for most people to willfully abandon their built-in and formerly highly successful ways of dealing with the world. Understandable, not excusable. Male humans still have a built-in penchant for wanting to grab the nearest female and mate with her. Perfectly understandable in an evolutionary context, but rape is still not excusable. It's just that theism in all it's forms seems far less heinous than rape, so we tolerate it. But in reality, theistic thought has caused incredible suffering in the form of mass murder, quashing of free expression, building walls of self-righteous seperation between groups (that people are willing to kill and die for), and the retardation of scientific advance for two thousand years.