I'm sure that if one does not believe there is a waterfall of destruction ahead, they would not be concerned with why there is one. And if, in fact, there is a waterfall of destruction ahead then the principle concern is not why it is there, but how does one avoid going over the edge. After you have been saved from going over the edge, you will have all eternity to ask the stream designer why he put that waterfall there.
But, the signs are posted. Ignore them at your peril.
You may be sure, but you are also incorrect. I do not believe there is a waterfall of destruction, but I am concerned with why others believe there is. This concern stems from the fact that I have seen many people spend much time and effort trying to avoid it, I would like to know why. It sounds like you just don't have an answer, and that is why you say if I don't believe, then don't worry, and if I do believe, then worry about something else. If you cannot answer why it exists, just say so.
I will be back tomorrow, and I look forward to someone explaing why God made this waterfall for His creations.