I believe that by RAW, if you fail a RK check, you cannot try again (or if you do, the DM can raise the DC). Consider a Religion based Haunt. In a 4 person party, you may have a single character trained in Religion. That character tries, but the Haunt is generally at least an on-level challenge (if not higher, either because it is Rare (increasing RK) or because it is higher level than the party).
If the party misses its Religion check, I suppose the choices avoid the haunt (if possible), or do random stuff and hope it works while it attacks you. Neither option is very fun.
It’s worse for Occultism haunts, since it’s definitely possible that a 4-person party wouldn’t have ANYONE who is trained in Occultism.