For me, the concept of "Hell" is really the concept
of a realization near the end of one's life that one has wasted that limited resource. Most people, if they are not suddenly stricken down early by something fatal, have time to reflect on their lives. It may be a brief reflection or one that occupies years of time. But, we have all learned what is good to do with our lives and what is not. We may not use that information wisely, but we've all learned it. We have all been exposed to it by our cultures.
End of life reflections, I believe, are what are variously described as Heaven, Hell, and other terms. When we examine our lives as we come near the end of them, we reflect on those lives, to a greater or lesser degree. If that reflection causes regret due to our poor behavior, that reflection can expand into an all-inclusive negative experience. If we can see our lives as well-spent and useful in some way to others, then regret is likely not the central emotion.
Heaven or Hell. Most people will experience it when they are still alive. At age 72, I find myself reflecting more and more often on my own history and actions from the past. I expect that most people do the same. How we see ourselves in that final mirror may well be our own Paradise or Perdition.
So I believe, anyhow.
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Thank you very much. Now don't do that again. 
