I will agree that here on earth, people, in general, are punished for their wrongdoings. That is how God designed us and our civilisations.
How do you know what happens after death? Can you show this to be true?
Why do you say that it is safe to say that God has our punishment laid out for us? Why would He punish us for doing something that He has designed into us to do?
If God knew what David would do, and He still created David, how did David have a choice? Could David have done something that God knew he would not do?
"Can you show this to be true?"
"Why would He punish us for doing something that He has designed into us to do?"
"If God knew what David would do, and He still created David, how did David have a choice?"
"Could David have done something that God knew he would not do?"