I suppose whether or not Bible study consists of spoonfeeding depends on quite a few things, like who is teaching the material, the social context of the teacher and students, the age and maturity of both, their previous knowledge of the Bible, etc.
Doubtless many Bible study groups would do nothing more than get preached at. And then there would be groups who actually do read it, but get told what to think about it. And then the groups where everybody is asked to present what they think, with guidance from the teacher. And then places where there's no teacher at all, just a small circle of people who wish to discuss the book with each other.
I think the two reasons you presented are probably the biggest factors accounting for that difference.
Another might be sheer laziness; they believe something without even reading the Bible at all. They simply can't be bothered actually thinking about the question of whether and what to believe. For many these days, religion is just a security blanket: having it is the only thing that matters, not how you got it or how to use it.
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