ok, pass the credit card into their name and get a new card for yourself.
a debit card is a good idea coz u can only take out what is in your account.
start cutting the apron strings and, step by step, become independant.
the idea of teenage life, is that you say 'yeah, whatever' when they get too manipulative.
u seem to have not completed this phase yet, it is important that you do.
i mean, seriously, if they tell a (nearly) 23 year old 'how to worship sincerely' that is way too personal.
i know it can be hard, i got married at 22 and my folks tried to get me to tell them every little detail about my personal life. they acted like i was still 15. i did not resist enough and it took years to scrape back the privacy i needed. seriously, start now, and you will be glad you did it later. i still love my folks and i talk to them often and we share jokes and even discuss theology occasionally (this is uncomfortable, but i love them enough to want to gently tell them what i have found).
they will tell u you don't love them and all that, but, keep in touch, don't talk about your taboo subjects (you have to have some!) and be a great house-mate (be tidy, do housework, be polite to guests, but don't feel you have to spend your whole evening with their guests), change from 'child' into 'nice flat-mate'.
u say u don't like the idea of moving out.
if life is too cosy for u, with u not doing yr share of the cooking, cleaning etc and lapping up their financial support, then it WILL be hard. but you have to change, i mean even if you believed in the same sort of Christianity as them, you would still have to build some personal barriers between you.
until u start to 'move out' in your emotions, u can never move out in real life.
please start this now.
as for 'worshipping sincerely', ask them where in the Bible it says you have to wave your hands and fall over to be a sincere worshiper. the original use of raising the hands is in prayer (not while singing) so there is no compulsion to do that, and the usual time to fall over is when confronted face to face with a heavenly being. so sitting or standing peacefully and in awe of God is perfectly ok. and if they say not, remember the 'yeah, whatever'!