This dates to 2010, but I'd like to discuss it again, if you please
I confess to having absolutely no idea what any of that means. When challenged the speakers provided no explanations.
(2) We have something like spiritual bank accounts, to which we make deposits whenever we fulfill a commandment. According to this theory, perhaps Adam is worried that a shul-led by an OPR is not going to make as many mitzvah deposits as a shul with an OJR. How this works is unclear, however. If deposits to the account are made via actions, what difference does it make to the mitzvah-performing shul members is the man at the front of the room is a fraud? The congregation is still performing mitzvos; thus their deposits should still be good. If Adam wants to make the case that what he is saying is true, he needs to provide more information about the mechanics. Same for Kramer. If this is what he meant to say, like Adam, he needs to explain why reading an idea in one book puts money into the account, while reading the same idea somewhere else does not. Harry, though, is fine: Per this theory, when he says a Rabbi delivers spiritual guidance what he means is that the Rabbi tells us how to make deposits and avoid unnecessary withdrawals (I don't see any reason why a knowledgeable and trained OPR couldn't fulfill this task. Knowing how to best fill up the mitzvah account doesn't seem to me to depend on belief in God.)