The only place I digress from this article is perhaps your concept of "hell" (Hebrew "sheol'). Many picture an eternal place of infinite punishment and fiery torment. When a person dies without Jesus the person finds themselves in a dry and abandoned place. The fire burns up the chaff only in the Final Judgment where "burns up" means like where the Devil and his Angels will have their existence ended. The two should not be confused, but rather the differentiation should be conspicuously noted.