I wasn't referring to Christian beliefs specifically. Crime and punishment if you will. I have seen only shallow depths of despair myself and those are cold and damning places where you feel alone, so I can assume that something similar is akin to your ideas. But karma is wide spread and has different interpretations. I definitely was not considering hell fire, as I don't ascribe that myself though it may exist. I meant the various other eternal punishments. There are many. Take for example becoming animals for slaughter for the rest of ones existence as a soul. Each turn another misery, or having to suffer losses later in life and have all the attempted to get through I'll gains, decay disappear and leave them hollow and in the last moments of their lives they may find no solace for the May have no sense of dignity left to retain and could reject salvation as you suggested and essentially die damned.

But they could also die and be hated for eternity in their legacy and despite stealing the moment, they will be hated for all time potentially.

They could also suffer a painful slow agonizing death from a sudden debilitating injury or illness and have no spiritual world left and thus their eternity is just this life and will be miserable (again I don't ascribe to that either)

But in general I think that most religions agree, minus the fake ones and loser ones like satanism and Thelema, that you need to be good in this life.