>>2678968 (PB)
You do not need a human mediator and God DOES hear your prayers directly. But we are instructed (by him) to acknowledge that we can only come directly to him through the sacrifice Jesus made. Therefore we say "in the name of Jesus" because we have no standing before God otherwise. Jesus paved the way. It costs us nothing to acknowledge that.
That said, my days among formal religions are probably over. I've had my fill and left. God may direct me otherwise, but, of my own accord, I have no intention of returning to a FORMAL practice of RELIGION. I can only hope to keep my spiritual association with Almighty God intact through the practice of the principles laid before me.