Every religion has its problems, even atheism. But yes, death does play a decisive role...at least I think.
Several years ago, I was sitting in a waiting room of a physical therapist. I suddenly became aware of an elderly woman sitting nearby, and she was sobbing loudly. An Asian therapist sat next to her and though I couldn't hear her, I heard her. She kept repeating, "I don't want to die!" It startled me how someone could fear death so much. Having read a number of near death experiences in my time, I thought to myself, when it happens, you won't have a thing to say about it...and it will happen so naturally and quickly that (once it happens) you'll wonder what all the fuss was about!
One of the greatest fears those who pass through the veil have is whether they will face judgment and hell. Some people are good, decent, honorable people who just had no time or interest in religion. For many, their passing will suddenly be fraught with fear and doubt. I've wondered what Jehovah's Witnesses and other "adventists" will think once they pass. For most of their lives they've believed in that abomnible soul sleeping doctrine, and I wonder what their thoughts will be when they see their own bodies nearby and realize that they're not sleeping?
My grandmother feared death, mostly because one of her daughters was a Jehovah's Witness and kept sending her articles about when you die you become bug food. I suppose my aunt was trying to scare her into the "Truth," but it didn't work. My grandmother was too old and she was bound that she was going to share her late husband's fate, whatever that might be. But she feared death because it meant not existing. Fortunately, I was there to offer a more positive message, and when she died, my only regret was that the last person she saw in life was Dan Rather! She died while watching the news.
Do atheists have a greater fear of dying that those who are religious? Who knows? Often what they and what they actually feel can be quite different, especially at the end. (I rather enjoyed the story of the monster Stalin shaking his fist above him and screaming in terror just before he went to his just reward.) But what about JWs? As they approach death, do they suddenly fear the gaping grave and cold dirt waiting to receive them? And as discussed elsewhere, even if they're right, God may recreate a person, but is it the person or is it Memorex?
The Watchtower articles tout the soul sleeping doctrine as something that should be of immense comfort to those facing death, but why? Once they cease to exist, what the hell difference does it make whether they're revived or not? It's like the attitude of a real cynic, who put on his gravestone: "I was not. I was. I am not. I care not." Ouch!