Well-put point.
As a Christian (and VERY much a "work-in-progress" Christian at that), I can only respond that when one hears the Truth, you know it. You just know it like you've never known anything before in your life. Jesus' message of no-holds-barred love, forgiveness, peace, compassion...............of salvation through His own sacrifice...............just brings tears to the eyes of the most hardened. I know.
It shouldn't be an issue of "fire insurance". Christianity attracts because of its honesty, its simplicity, its promise of life everlasting.........and its wonderful message(s). I've seen Christianity and true Christian faith do unbelievable things in many, many peoples' lives. We do not and should not attempt to "frighten" people into the faith.
All Christians can and should do is put that message before the world. There are many ways to do that, but the best is living a life that is a true testament (or "witness") to Christianity. It attracts people; always does. Unfortunately, too many of our faith have a problem with that OR attend churches that fail to teach a personal relationship with the Lord; they just go through the motions every Sunday. THAT is supremely sad, IMHO.
I owe the good Lord everything, and I cannot imagine how I got through this world without Him (ok, I do............and "not very well" is the answer).
God bless.