Ok, just a few thoughts (Please don't rip my head off for expressing them):
1. There doesn't
have to be an afterlife. Absolutely nothing factual requires the existence of such a thing; only subjective opinions do.
2. By the logic that there must be an afterlife because it would be bad for people not to be accountable, there must also never be a bad occurrence ever. Nonetheless, people get killed, raped, mugged, injured, disabled, etc. Life is full of things that aren't fair. I know it sounds harsh, but it's true.
3. Life isn't first about helping other people. I know that this is going to sound bad, but I always believed that you are your first priority. If anyone was completely selfless, he or she would be dead from dehydration because he or she would have given everyone else his or her water instead of taking some for his or her own. No one is completely selfless.
4. Religion is created by mankind. By the logic that Hell is only a creation to keep the masses in check, religion can be the exact same thing. Religion is just something that people use to make themselves feel better, such as believing in a higher power or an afterlife. Being religious is completely fine, just so long as you don't try to force your religion on other people or assert that your religious
beliefs are facts and that everyone else is wrong without any evidence.
I apologize for coming across as harsh.