Are we treating practising Buddhism like a business-like transaction?

#1

Sadly, I do. I expect that my prayers and actions will result swiftly in good things happening to me. And I am disappointed and demoralised when bad things continue to happen, causing me to question if I should continue with my practice.

Master Ri-Chang disputes this in his Lamrim commentary:

这是为什么我们必定要正确地认识,如理地思惟的。要不然大家没有正确的这个认识,总把修行看成功什么?好像现修,现买现卖一样,对这个因果概念都弄不清楚,那个就错了,那完全错了!因为你因果概念弄不清楚,所以总觉得修行好像跑得来,这是一件应该快乐的事情嘛,跑得来要坐享其成,天下哪有这样的事情!绝不可能,自然而然你就不可能─小苦都忍不住,何况是大苦啊,前面这个整个的谈不到啦!
https://bwmonastery.org.sg/lr121a

When we make offerings to Buddha with the intent of getting something in return, is that ok?
#2

Venerable Ru Jun brings up Master Ri-Chang’s discourse on this topic.

Video starts from the 4 min 44 sec mark:

一般人來:「什麼?我學了佛,沒有保佑我,怎麼反而還要受這個障礙!」我們很多人都會有這樣的現象。我們把佛法看成功就像今天世間上面大家做小販的:我給你三塊錢,你給我三塊錢東西,我給了你十塊錢,你得給我十塊錢的東西。我們把學佛法想成個現前的交易一樣,好像我今天供養了你三斤香蕉,等一下你就應該來加持我,讓我發一個大財,就這麼荒唐法!對佛法的深厚的內涵都不清楚。佛法正規地講都講業,這個業前面是非常的深厚的因緣,絕不是眼前的。

To address this fault of treating my practice like a business-like transaction and expecting instant gratification, I must read and contemplate more on Karma and understand its real meaning.