@Johnny Fresh,
Its possible (I would say likely) that when you die your dead (end of experience, period).
Alternatives to the classical heaven hell model.
Only the righteous are saved, the rest remain dead.
All all saved, universal salvation.
The wicked are punished but only for a time and proportionally to their sins, then they are saved.
The modern Catholic view. Heaven, Hell and purgatory are not physical places. Hell is a state of anquished existence voluntariily seperated from God. Heaven is a state of union or bliss with god.
Other religions the final judgement does not occur until the end of the world and time until that time you are dead (no experience) then you will be resurrected and judged.
In the east you are stuck in the continuing cycle of life, death and rebirth (samsara and reincarnation) until you become enlighted and achieve nirvana.
I would say the main 3 are:
One chance get it right go to heaven otherwise hell.
One chance this is it, birth is the beginning of experience, death is the end of experience, period.
As many chances as you need (reincarnation) till you get it right (nirvana) then eternal bliss.
And no it is not fair. If your dominant view of the divine is loving kindness, compassion and forgiveness Hell seems out of character.
If your dominant view of the divine is ruler, judge, tyrant and lawgiver then Hell sounds quite in keeping with that view.