I guess you don’t like the problem solving aspects of being a human.
Different heavens for different folks.
Ah...
You ARE a MORMON!!
"Now, it may be contended that a judgment, with some degree of salvation for all, encourages the sinner to pursue his dark ways. Not so. However generous the judgment, it is measured by our works. Our punishment will be the heavy regret that we might have received a greater reward, a higher kingdom, had our lives conformed more nearly to truth. Such remorse may yield keener pain than physical torture." (Understandable Religion, p. 89)
While Widtsoe is careful not to call a heavenly kingdom "hell", he is nonetheless certain that there will be a keen regret for lost opportunities:
"Humanity will be grouped according to their works in three main divisions: Celestial (like the sun), Telestial (like the moon), Terrestrial (like the earth). Within each group there will be many gradations and divisions, until from the lowest to the highest in all groups there will be a series of gradually ascending glories. There can be no talk of a hell, except for the few 'sons of Perdition,' but undoubtedly the regret for lost opportunities will be keen among those in the lower degrees of glory." (Program of The Church of Jesus Christ of Latter-day Saints, p. 226)
Joseph Fielding Smith, on the other hand, considers the tormenting regret experienced in the bottom two heavenly kingdoms and concludes "in that sense it will be hell":
"This earth will become a celestial kingdom when it is sanctified. Those who enter the terrestrial kingdom will have to go to some other sphere which will be prepared for them. Those who enter the telestial kingdom, likewise will have to go to some earth which is prepared for them, and there will be another place which is hell where the devil and those who are punished to go with him will dwell. Of course, those who enter the telestial kingdom, and those who enter the terrestrial kingdom will have the eternal punishment which will come to them in knowing that they might, if they had kept the commandments of the Lord, have returned to his presence as his sons and his daughters. This will be a torment to them, and in that sense it will be hell." (Answers to Gospel Questions, v. 2, p. 210)
This line of thinking is interesting in light of Joseph Smith's following teaching:
"A man is his own tormenter and his own condemner. Hence the saying, They shall go into the lake that burns with fire and brimstone. The torment of disappointment in the mind of man is as exquisite as a lake burning with fire and brimstone" (TPJS, p. 357)
The entry in the Encyclopedia of Mormonism on "Damnation" essentially explains that the bottom two kingdoms of heaven are kingdoms of damnation:
"Just as there are varying degrees and types of salvation, coupled with eternal progression in some areas (D&C 76:96-98; 131:1-4), so are there varying degrees and types of damnation. In LDS doctrine, to be damned means to be stopped, blocked, or limited in one's progress. Individuals are damned whenever they are prevented from reaching their full potential as children of God. Damnation is falling short of what one might have enjoyed if one had received and been faithful to the whole law of the gospel. In this sense, all who do not achieve the highest degree of the Celestial Kingdom are damned, even though they are saved in some degree of glory."
Issac Newton looked at the wonders of light streaming through the cracks between the boards in a barn, and tried to imagine what they meant. A decade later, he came with an inadequate theory. Better to be like an angel and arrive at a perfect solution without thought. Better still to have a body that knows love.