Sorry,
@Rumpel is correct the problems are both tribal and religious. Your example of Lagos does not take into account that the Yoruba kind of dominate the population around Lagos and they are either christian or muslim by equal proportion. A muslim Yorubaman is unlikely to harass a Christian millionaire Yourbaman.
However, that same Christian millionaire will have more problems if they move to Sokoto or Kano in the north. Not enough to make them move, because corruption is endemic in Nigerian society and having lived there, I'd argue it goes from the lowest person living hand to mouth in absolute poverty right up to the President.
Corruption is the biggest problem in Nigeria: not tribalism and not religion.
Historically, when Nigeria became independent, the nations wealth was largely generated by peanut farmers in the North and these were largely muslim. When oil was discovered, there was a feeling in the north that they had shared wealth with everyone else and now it was their turn. The Hausa realised their path to power was through control of politics and the military to enforce that control and you'll still find most Nigerian military leaders are Hausa or at least muslim.
A lot of the oil barons have Northern roots and you'll find the indigenous people who live where the oil is extracted have very little benefit.
Yeah; I met, travelled with and spent time with the missionaries based in Jos. I posted about this many years ago - if you wanted to see one community that had power boats / privileged life - it was the missionaries of the Sudan mission. They tend to be Lutheran of Norwegian heritage.
muse.jhu.edu
They lived a damn good life - very different from the Irish Catholic missionaries I met.