No, what you are describing is gullibility, which is a synonym for faith. And no, God does not punish people directly, that is not even close to being a Biblical belief. If you think that God answered your prayer that is more probably confirmation bias than anything else.<quoted text>
I can't speak for everyone but for me faith is knowing with out seeing. When I do something wrong God lets me know not by burning my house down or killing my first born but its like an itch I can't scratch until I make it right. The more God moves by answered prayer the stronger my faith gets. I think to some degree everyone has faith in something. I also think that everyone has a drive to understand it. I guess you don't read the bible but this desire to understand faith is in there. The dictionary can define it but until you live it faith is hard to understand fully.
I know that you may doubt this, but on average atheists know far more about the Bible than average Christians. In fact atheists very often tell Christians to read their Bible, they know by experience that that is the fastest route to atheism.