IIIIITHE1IIIII said:
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Sometimes, you only truly deserve help if you respectfully ask God for help. Following your example, there are two scenarios: A.) The person does deserve the money. Or B.) the person doesn't. The person doesn't need to acknowledge B, because if there would be no outcome if that were true.
People pray with A in mind. Of course they don't know if they deserve the money. But in case they do, they still must humbly ask God for the money. That's where prayer comes in.
And as I said earlier. Prayer is mainly used for worship & praise more than asking for things.