There are likely endless examples of how "beliefs" are developed.
· You get a low grade on your first science test, believe you are dumb, and drop out of school.
· You get sick shortly after eating a sandwich, believe it was the peanut butter, and refuse to ever eat peanut butter again
· You pray for a friend to be healed and when that doesn’t happen you believe that prayer never works
· A drunk driver (who is a member of a different culture) kills your child and you become angry and bitter and believe that all members of that culture are probably alcoholic