I will claim option B.
I'm definitely not schizophrenic. I'm also not offended. That is the logical conclusion of your worldview. No other conclusion explains enough using your assumptions.
Best evidence I can give you to the contrary that people are delusional is that when people who pray for direction confer with one another after, they usually report the same answer. This happens many times over long periods of time, the exceptions being when one person has neglected to spend time meditating on who God is and praying. When that happens and they confer, everyone (usually including the person who has not been spending time with God) knows why there is disagreement.
When there is a lack of direction at all, we know that it is because we are working out of an incorrect assumption, because that has shown to be the case afterward, consistently.
For example (this actually happened), we ask for direction on how to lead a bible study a week from that day, we hear nothing. We have been assuming that that bible study was supposed to take place, needs to be led and that something would come of it. The time comes and no one but the leaders show up, and even then, one of the three leaders does not show up. It's plain to see why we did not get an answer: we were not working out of the right assumptions.
Also, hearing the voice of God is not like hearing an actual voice in English, it's closer to being compelled into action, itself. A voice we could ignore, we could argue with, we could even manipulate so that something we want could easily be ours. No, there are times where I am compelled to act. Every time I've fought the urge to act (or not act), and succeed, it has turned out worse for me.
One night I was compelled
not to go to a gathering, but I brushed it off because I really wanted to go. I really loved the people who would be there, and I really loved what it was about. It was about half an hour away, and it was raining, and I had to take the highway to go. Long story short, I got into my first car accident, lost my car, and ended up failing all my classes that semester because I couldn't get to class anymore.
It's not punishment, because he was trying to keep me from it. He just knew what was going to happen and tried to keep it from me.
That's what I got for not being a schizo. Take it or leave it.
Second, no, not everyone has to be schizophrenic in order to be able to claim this stuff. Being addicted to publicity is also a valid cause. Or wanting to make money.
We both know that they exist. People addicted to publicity and people wanting to make money will both happen. Joel Olsteen is probably an example.
But there are counter-examples, Mother Teresa, the most obvious of them. Generally, if you want to tell between the two, look at how humble they are. Define humility as this: wanting to build up others, and willing to submit to where they are being led. And you will be able to tell because when you hear a proud person preach, you want to throw up. When you hear a humble man preach, it's like being cut and yet knowing what should be done.
Fourth, there may even be a chance of these things being real. I don't believe they are; but discounting stuff like that would be unscientific.
Thank you for saying that. It means a lot. Some people would just say something to the effect of anything supernatural is impossible because you can't test it. It's a little frustrating.
But, as the JREF challenge has still failed to produce a winner, I would say that the odds for this whole thing being bull**** are pretty high.
You win some, you lose some.

Edit: Various corrections/additions/subtractions for clarity's sake.