Thanks for the responses. It is hard to believe that perfectly reasonable people (otherwise) would just accept this doctrine (or pretend to) without question. The irony is that if another church preached something similar, they would be too quick to label it false teachings. If anyone has not yet read Captives of a Concept, I highly recommend it. It illustrates this point very well.
In regards to the fear of dying and uncertainty, I can understand why they may feel this way to a point. I just see, as leavingWT pointed out, that they are truly trapped in the belief that going to the kingdom halls is the only way to serve God. I won't defend Christianity but many Christians believe that they simply need to believe in Christ sans the church. My wife pointed that out in our conversation when she told me that during her field service she would encounter a lot of householders who believed in God but did not believe in having to attend church regularly.
But, I can understand somewhat, myself and a bunch of former IFB's are talking now about when we decided to leave those churches and why? They preach similarly that you must be in church (their church) to be in a good place with God. The fallout of that cult is just like the fallout of this one.