The trick here is to understand what's happening with the souls of faithful vs. those who actively revel in negative activities.
You have to understand what Hell is first. There are people living on this Earth who find themselves in living Hell. Hell after death may be seen as similar to those circumstances.God says that if you don't accept him you will burn forever in a place of torment (Hell).
Hell is a condition of existence, rather than a jail one is confined in. In my late teens I was very depressed and found myself in a living Hell, despite the circumstances of my life not being that bad at all. No one but me imposed that state of Hell upon myself... it was of my own creation and doing.
Such is the nature of Hell after death. God says you'll experience this, not because it is imposed by Him, but rather a soul has acted in such a way in life, that Hell is their spiritual awareness upon death. They find themselves in an unhappy spiritual state, and without having faith in God, are unable to free themselves from it.
Now, you have to understand that since God created everything, that yes, part of that creation has caused this painful state to exist. If say, God did not create us as we are, then yes, Hell would also not exist. Yet Hell wasn't created by God directly... it was created by those who were created in the image of God (meaning we're spirit in nature, and with that comes power).
Through our delusion that we are separate from God, and that we act alone, that we are ego, and not at peace in Him, we've manifested Hell... because to be at peace in Him with complete faith is alleviation from all burdens. One might still have "problems" in life, but those problems become light difficulties when one turns to Him.
I'll also say that I believe in reincarnation and karma. Someone in a state of Hell after death is not trapped there eternally... the state of eternal hell exists only for those who reject God eternally. Yet the nature of reality is designed in such a way that souls naturally seek God because that's how we manifest our greatest fulfillment.
I see all of creation as we know it being dissolved back into God in the end... and then through him creation is manifested in new ways... infinite realities permuted beyond this cosmos.
Jesus died for our sins, in the sense that accepting Jesus into your heart awakens your higher spiritual nature which begins to dissolve the bondage of your past activities.Yet, Jesus didn't even have to spend his 3 days or whatever in Hell when he was crucified.
So, how is that just payment, when we would have to spend an eternity in hell, yet Jesus did not?
I think any Christian would agree that sin still exists in this world... and that even people who believe in Jesus can sin. So obviously, he didn't die to rid us of sin, but rather beat a path toward a higher spiritual state which is within our grasp... one where we can better our natures and avoid the after-life suffering that might have otherwise awaited us.
You have to understand the spiritual state Jesus had attained after he was in the forest for 40 days and 40 nights. It took him many incarnations to reach a state in which he could return to us to help bring us closer to God. Not all souls do this... many if not most find God and dissolve into his bliss, Nirvana. Some, however, choose to come back and bring as many as they can into His Glory. This is why Jesus's birth was something special.How is it still "payment" of our sins, if it's not the full price? Is Jesus somehow special because he happens to be "God's Son" and get an easier pass?
Yet a child must still grow up as a child, they're not necessarily prepared for the task at hand until they're an adult... this is why Jesus had to go into the forest for 40 days and 40 nights. When he returned, he had fully awakened his true nature.
The true nature of a Christ lacks any ego, rather they've destroyed it to become vessels of God. Their minds lack delusion, and are crystal clear in terms of acting with spiritual dharma. When one has attained such a state, sin does not exist as part of their activity because every decision they make is guided by the hand of God. One in such a state, upon death, will evaporate into God... but still exist as a divine Christ which God can call upon to do His work.
The pathway to Heaven has always been clear for such people of high spiritual nature... in fact, they go to realms beyond where people like I will go.
Yet when a person of Jesus's being goes to God, one can attune themselves to Jesus's nature, and use that as their avenue. The thought of Jesus radiates positive energy, and that's something his followers can attune themselves to and transcend their bondage.