I think, when we start dealing with heaven or hell issues, what we really need to gravitate toward is that man is an eternal spirit. And if you believe that he is an eternal spirit then all it does, it abandons the body.
My mother would take the Band-Aid off, clean the wound, and say, "Things that are covered don't heal well." Mother was right. Things that are covered do not heal well.
God is a businessman. He is not going to do business with someone who shows no sign of potential return. He invests in people who demonstrate an ability to handle what He has given them.