Though it's in reference to medieval Christianity's obsessions with relics, rituals and and currying God's grace - I don't think modern Protestants, especially Big Evangelicalism but even the Reformed, have escaped this tendency. While CrossPointe Megachurch or the Orthodox Presbyterians may think there's precious little in common between themselves and the buyers of indulgences from 500 years ago; the same transactional view of Grace, colored as it is by their view of the Atonement, is a through-line between the Catholic church of the late middle ages and the children of the Reformation. If you believe that salvation consists of saying the right prayers, feeling the right feelings, confessing the right beliefs, etc. in a one-time-for-all reception of Grace you are different only in degrees from the person that thought he could transact with God's Grace through saying the right prayers, doing the right rituals and giving to the right persons.The ecosystem of superstitious rituals that would attract so much censure from the renaissance humanists, and later the sixteenth-century reformers, arose partly as a result of this new emphasis on grace detached from nature. The indulgence controversy was the most startling example of this radically nominalist posturing: given the right conditions, God can declare a sinner forgiven through a sheer volitional fiat independent of an actual change of nature. Grace came to often be perceived as a created thing, even as a buffer between God and humankind that could be conjured up with the right formula.
This may be a chicken and egg dilemma but I think that at least for the modern Protestant, their view of the Atonement lends itself or reinforces that transactional view of God's Grace. I've never understood the juridical need for a penal substitution. Given that most Reformed folk take a nominalist view of God, singularly focused as they are on His sovereignty; If God has arbitrarily declared all of mankind guilty for the disobedience of 2 people, then God can just as easily and arbitrarily declare us all innocent, thus vacating the need for a divine sacrifice. Why then this secondary play-acting of needing a penal sacrifice?
If however, God has not declared us juridically guilty but rather is informing us that all of creation is now sick and corrupted; the need for a healer and a sacrifice to overcome the ultimate consequence of our sickness, death; comes into much sharper focus. What's more, we no longer simply need to say the sinner's prayer to receive God's Grace and thus be saved, rather we need to be healed and our recognition of and submission to Christ as the only being capable of healing us is what in fact salvation is.