What if we are just evolving and our lives are lessons learned. The ultimate lesson to learn is to love unconditionally. Maybe the creator has put into motion all the necessary pieces to reach that level of consciousness and it's up to us to work out the details.
Maybe everyone will be able to reach that level in time. When our words and actions cause hurt to others, the greatest punishment is the sorrow we feel when we realize the hurt we have caused. When we learn from that, we evolve.
Sorry, I guess that is off topic, but it makes more sense to me than the reward/punisment theme so prevalent in Christian and other religions.