I will not demand a rigorous neurological explanation of what you mean, I will just ask you a simple question: why do you need to pray to a non-existent, imaginary higher being in order to achieve the same pattern of brain activity as visualizing a goal (which is presumably beneficial for you), when you can just focus on that goal??
Perhaps I should have stated my point more clearly. It can be equally as beneficial as meditation (collective insight). The only difference being religious people believe they are connecting with a "higher power" whereas with just cognitive meditation you are consciously aware that you are connecting with a different area of your mind (perhaps your subconscious actually = the "high power" for religious people).
They are very similar and neurologically (I'll give you a basic run down) your brain waves go from BETA (13-30 cycles per second) to APLHA (7-13 cycles per second) which is the perfect level for collective insight, meditation and psychological hypnosis. At this level of brain activity you're very relaxed, collective, and your brain can focus more intuitively on specific areas without distraction.
In a very deep meditation (or prayer) you can even dip down into THETA waves (4-7 cycles per second) while staying conscious which can potentially cause some strange experiences, this is the level at which if you were sleeping dreams start to occur, sleep paralysis also occurs at this level. I don't think it's extremely common but consciousness at this level of brain activity would account for many "religious" experiences.
Anyways... You don't have to pray to some "higher power" for it to be beneficial, rather I believe this is why so many people pray religiously, because the experiences they have had made them feel as if they were actually interacting with a higher power, and yes the exercise in itself (much like meditation) is mentally beneficial. And having the thought that one is interacting with a "higher being" probably helps people.
I should also note that the version of prayer that modern day western society practices is probably not nearly as beneficial. It's too quick and brief. But if you look at most religious accounts of humans supposedly having interaction with a "God", many times it's preceded by long, intense praying, which would mean they probably dipped into THETA waves in the process and reached a hallucinatory state of consciousness.
That's the point I was making and should have made clear from the start. Everyone came at me like I was some universal new-age religious "the secret" fanatic, but no... theres no "hocus pocus" type bullshit in what I was trying to say.
Maybe it's because I'm making connections between prayer and meditation? BTW meditation is a purely psychological cognitive mind exercise... meditation isn't necessarily a spiritual practice (unless you make it so).
Is prayer beneficial? Yes.
Are people actually interacting with a "Higher Being"? No, but imagining that they are in fact interacting with a "higher being" helps people and has done so for thousands of years.
I'm basically atheist/agnostic but what I don't understand about many other atheists is that they are so anti-religion to the point where they label any religious activity as "insane" and ridiculous. There's a reason it's insane and seems ridiculous, because it's an old and outdated view of the world, but it still has it's benefits. You aren't going to win people over by shrugging off and ridiculing religion, instead you should study it and then explain to them why religion has worked the way it has in the past.