I'll agree with you as there are legitimate priest, preachers, pastors, etc., etc.....
I can also agree with you that most rural pastor are poor compared to their urban, suburban, city, and metro, counterparts, simply because rural pastors have the smallest church congregations, and work hourly wage jobs, farmers, etc. to pay their monthly bills.
I agree rural pastors, along with some of their counterpart pastors in small congregation churches are most likely driving used vehicles. While pastors in larger congregation churches are being provided new cars either purchased or leased through the church.
You are also correct as with any other 503 organization, the treasurer or other organization member designed by a board of trustees is responsible for the banking and paying the bills and a, usually monthly, meeting is held where the treasurer or other designee provides the members with a financial report that gets approved by the members. There are at least two names on the account signature card, the treasurer's and a trustee's as a means to gain banking information in case questionable withdrawals are made someone has access to the organisation's financial records.
But I also agree with
@Hogpatrol.
Because.....then there are televangelist and all those others of questionable character that use their church ties, offerings, donations, or whatever label one chooses to call the monies the church receives to purchase maga million dollar homes, multiple multi million dollar luxury private jet aircraft, luxury cars and limousines, purchase expensive jewelry, etc., etc., etc.. Of these the most notorious were Jim and Tammy Faye Baker. Oral Robert's when on occasions we would watch him, started out as one of the few respectful televangelist, then he announced ....he needed a million dollars...It did take but a couple of days and by the end of the following week he was cast as just another greedy televangelist.