Just suppose you are a pastor. Your congregation is about 250, but only 100 actually attend, and less than 35 give a dine, which is pretty close to facts. Your day off is Monday. You are on call 24 hours a day, with 100 attenders and 1050 that think if something happens they call call you any time that hits them. Believe me they do. In this week you have done 2 funerals, and been to four or five nursing homes. Handed out meals on wheels every day for lunch the last 3 weeks. Prepared three sermons. Driven some elderly people to the doctor, Attended a local Ministerial food bank meeting. Printed off the bulletin. Not to mention counseling people and wedding planning.
A church must have Deacons to help fill in the places to help disciple, that is a job they need to be involved in. So being a pastor is not a 40 hour a week job. Often pastors do not get a day off for a month or better. Being a pastor is a calling and with that calling come the responsibility to handle their own stress and family life. Stress is a part of ministry, and most pastors do a pretty good job at doing Gods will.
To be honestly blunt, your idea It is YOU who is responsible for your growth as a Christian. The pastor may give direction, and give tools to grow by or give personal counseling for those desiring to grow. Being involved in Sunday School, Sunday evening and Wednesday services are all opportunities for discipleship.
You may not have read the complete Bible, but surely you have read the New Testament, haven't you. Without a working knowledge of at least the Gospels, a person who says they are a born again Christian is seriously in danger. On what basis would they say they are a Christian?
If you joined the Elks Club you have expectations to keep. Pay dues, attend meetings do your share of the chores, and so forth. A Baptist Church is one of just a very few organizations you can join and not financially support, not attend, and do nothing to help, you don't have to pray, read the Bible, and yet call yourself a member!
Most of have gone through dry times in our Christian life, I am not talking about that. I am talking about a continual life pattern.