It seems to me:
Anyone who does not believe what the Church teaches is free to leave (these days.) The Church won’t come after you to enforce the alleged “contract.”
If you think God will come after you, then you would do well to avail yourself of every means to conform to His will. And Baptism which is taught not only as a providing a clean state but also a new interior birth of the self revivified by the Holy Ghost is claimed to be a great conduit of gifts.
If you believe the claims, you see Baptism as a help not a burden. If you disbelieve them, what burden is placed on you?
I don’t think her complaint makes sense.
You make too much sense.