Hell and Paradise exist.

The time expands extremely in the minds of people in the moment of dying.
It's the moment for us but the eternity for them.
If they die in a peace of mind the leave their eternity in paradise.
If their mind is in confusion, that moment (eternity for them) they exist in hell.
The virtual environment and the inhabitants of Hell or Heaven are generated by the imagination of the person dying and is prompted by his/her religious and other irrational beliefs.

Now the question, if I don't believe in any shit like hell or heaven, what am I gonna see when I die?