There is no rule that says that life must be just, will provide happiness, will be safe, will be painless, satisfying, etc.
Such is life.
Creating fantasies about gods etc to make people think that there is something looking out for them and when they die all will be revealed, is simply a crutch to help people ignore and/or deal with the harsh realities that life throws at us. It might make some people feel better to believe that fantasies are real, but it doesn't change the end game that death is ugly and final and life sometimes is just hard.
Many of us learn to deal with it and overcome the harshness as best we can without leaning on fantasies and similar delusions.
Doesn't matter. All religions make promises based on fantasies to make their adherents feel better about themselves. Most religious fantasies include some form of reward and punishment mechanism. And they either stress the reward part or the punishment part, e.g. the fire and brimstone versions of Christianity stressed the power of fear, and this perspective dominated Christianity for most of the past 2000 years. It has only been this recent century that the love and peace angle has been exploited more.
The choices tend to be a utopian paradise, e.g. a heaven, or a hellish domain. Or perhaps a return to life after death in an animal or lesser form, or perhaps a higher or more godlike form. Take your pick, there are countless thousands of various religious fantasies and interpretations.
The only real evidence we have about death is that there is no credible evidence that death is anything other than total and final. And how you behave in life is not going to change any aspect of that final non-existence. Be as altruistic as you like or be a raging serial killer, the end for both is the same - non existence.