Where is your Scriptural support for that view? You would be wise to believe the Word of God and not vain philosophy. If the Bible isn’t your authority you have a religion of your own making.
“Beware lest any man spoil you through philosophy and vain deceit, after the tradition of men, after the rudiments of the world, and not after Christ.”
—Colossians 2:8
Also, where do you get the idea men stop sinning against God when they die? Do you suppose men in Hell suddenly love God with all their might? Do you believe God gives fallen men who have been cast into the pit a new nature free of sin?
But supposing men cannot sin in eternity, how long does it take a finite man to pay for a lifetime of crimes against an infinite being? Scripture suggests he can never pay that debt.
Which scripture? Which Bible? Do you think the differences between the various Christian Bibles is trivial? Are you willing to accept any Bible, from any denomination or translation, including Catholic and Protestant - it doesn't matter?
Of have you decided, upon your own personal contemplation, which Bible you believe is true, and which are false? And how is that not a religion of your own making? Because others agree with you? So the truth is subject to a vote?
We all stand alone before God. We do not do it as members of a church, or a congregation, or a family. We choose our beliefs, and we live them, and we are responsible for them. Even within the Bible you choose for yourself, which you believe is the standard foundation of religion, there is a history of people choosing this instead of that, throughout its history. Did they make their own religion, or were they inspired by God? If I choose this and not that, am I inspired by God? How would you know?
It always amazes me that people are not joyful over finding a path for themselves. No, it's never enough - it's always so important that others be wrong. And what are the accusations? The same as being carried out by the accusers themselves. Incredible.