Hell as punishment
When something bad happens to them, children regard it as a punishment. For them, all bad things are punishments - done to them by someone. They cannot distinguish consequences from punishments.
Children often feel that they are to blame for the bad things that happen to them - they deserved these bad things; of if children are not to blame, then they feel they have been unjustly punished.
Hell as consequence
Adult humans see bad things as consequences, as natural causes. Usually they see bad things as a default state - there is an inbuilt tendency for bad consequences except in exceptional circumstances.
Often, too, these older people feel that good things are a reward for acting well; bad things merely a natural consequence of not acting well. Good things are a privilege.
Then they feel entitled that good things will follow good actions - good things are no longer felt as a privilege but a right; and if this does not happen, these adults are indignant, then angry at having being deprived.
Instead of gratitude at the conferral of a privilege they blame someone for interfering and blocking their just rewards.
Hell as choice
At the highest level, beyond adult humans; we do not get punished, we do not get that to which we are entitled; instead we ultimately get what we have chosen.
We are, in fact, allowed to choose and to have our heart's desire forever.
It is not a punishment from others because it was chosen; it is not a reward becuase it was chosen; it is not a consequence of actions because it does not flow from actions - we neither deserve it nor was it an arbitrary piece of good fortune.
There is something separate from reward/ punishment; from cause and effect: something outside this which has choice.
But, of course, this cannot be explained to children, nor to adult humans - they cannot understand, they lack the capacity.
All this can only be understood by first receiving the gift of understanding, from outside of themselves: which understanding is itself neither a reward nor a right but must itself be chosen.
It is hopeless to try and explain this stuff to mere children and adult humans. They must first be offered enhancement: the capacity to understand, the freedom of choosing.
Luckily, this offer has been made. That is where luck comes in: not in what we get, but what we are offered, that there is a choice.