That's only part of the equation. Every soul returns to its point of origin (God, Creator etc.). There are basically two heaven/hell experiences. The one when you die (whatever the state of your soul/mind is in during your time of death) and the one when the universe dies and something else is born. Abrahamic theists say that this something else is God's judgment for a physical heaven and hell.
Such a simplified view of cosmology is low iq
The blackpill should be enough to show you that there is no "even playing field" for moral judgment. Many people are lured into deranged behaviors due to forces beyond their control, and many people are quite horrendous but are well socialized enough to know the consequences of their behavior and to meet social expectations, sometimes which outweigh the good-intentions of others in the outcome.
Take a person who volunteers at the soup kitchen because they feel like it's the right thing to do, as well as tithing to a Church. What does any of this do? In the former, you alleviate the pain of people who are usually socially dysfunctional anyways and will never break out of the cycle, barring a few exceptions. In the latter, you just help propagate a religion. Now take a lawyer who does pro-bono work because the State mandates it - he will make far more of an impact in a person's life by alleviating them of expensive legal troubles for free. But that lawyer doesn't do it because it's the right thing to do. Rather, he or she has to, and he or she gets social approval in doing so. You get to humble brag to all your peers on LinkedIn. A rich person can donate far more to a Church than a poor person, but at a fraction of what they have compared to a poor person. The steps to become a lawyer are far more based on factors totally out of your control - your genetic IQ, your social skills, your parents' wealth, and so on.
The idea that there is an "even playing field" and God is testing us all individually in equal measures is verfiably false.
The pagans, Hermetics, Buddhists, Hindus, and Kabbalists are far more correct. You are just re-born after death based on what you were and the decisions you made to alter who you are, until you one day are born into an eternal being / divinized, the ego dies, becoming one with everything at once, while wearing masks to convey what you really are to others who need you.
Imagine how it would feel for a lawyer who did far more good in the world with shitty intentions to share heaven with an uneducated, stupid restaurant dishwasher who helped package food at a soup kitchen because it makes them feel good with Jesus giving him a thumbs up. Total nonsense.
Life is simply a cosmic play with different roles and it repeats forever until you are recast as the main hero who gets the girl and lives happily ever after, whom the gods smiles upon. If you are an ogre monster that causes Aphrodite to weep and Hermes to laugh, you are just gonna have to live through that until death.