The way I see it is that God does not punish most of the people who go to hell, instead the hell bound person destroys himself when karma catches up to him for his evil deed and the victim is rewarded not when he earns his reward but when God compensates him for the loss he experienced at the hands of the perpetrator.
Just think of spiritual leaders like Beth Moore or Joyce Meyers who encountered terrible abuse as infants or teenagers and how today they are more spiritually advanced than the average person who grow up with loving and supportive family, our deeds punish and reward us and it isn’t God who does most of the punishing, God only punished if the victim is an innocent person or the punishment is necessary to protect the community.
The highest gift God gives us is not money but love, not just His love, but also the beautiful communities Love has created where we can mutually support and care for each other and experience the goodness of God. Nothing must be exalted above God’s love and God’s love is not to be confused with imperfect human love, which still has value even if it is limited in its capacity and duration. But God’s love is higher and more pure than human love.