I have a completely different take on this......firstly, sin and error were inherited from our first parents (Romans 5:12) and God knows that we have sinful tendencies. He gave us laws because of that, but at the same time, no one is permitted to break his laws without penalty.
In the Bible, the highest penalty under the law was death. It says at Romans 6:23...
"For the wages sin pays is death, but the gift God gives is everlasting life by Christ Jesus our Lord." The gift that Jesus gave us is forgiveness of our sins by dying instead of us. That means that once we have paid sin's wages with our own death, there is no other penalty...according to Romans 6:5...
"For the one who has died has been acquitted (pardoned) from his sin."
Since there is no such place as "hell", and not all good people go to heaven (a scenario made up by Christendom) it is clear to me that those who died have not gone anywhere...they are sleeping peacefully in their graves awaiting a call from Jesus to awaken and come out of their graves. (John 5:28-29; John 11:11-14) Those called from the graves are
"the righteous and the unrighteous" who are both called from the same place, which means they all went to the same place....'sheol" (Hebrew) or "hades" (Greek). (Ecclesiastes 9:10)
The only ones who do not merit a resurrection are those who are incorrigibly wicked (like the Pharisees in Jesus' day. Matthew 23) The place that Jesus assigned those ones to is "gehenna", also called the "lake of fire" or "the second death" (and incorrectly translated "hell") It simply means eternal death, since there is no conscious existence after death, (Ecclesiastes 9:5,10) there is no need to invent places for the dead to go....as if God has nothing better to do than punish people forever.
He doesn't need to do that....he simply won't return them to life....he has no need to. They have paid sins wages. The life of the police officer was paid for by the death of his assailant. The sales of justice were balanced. (eye for an eye, tooth for a tooth, life for a life.)
As for the dead...only God knows who is in 'hades' and who is in 'gehenna'.....but just because someone lives a life of crime doesn't automatically mean that they are not redeemable. Jesus' death means a resurrection for those who warrant a second chance since they have died before the final judgment, which is now fast approaching.....so we need not worry about the dead....we need to worry about the living who are now in a judgment period. When Christ comes to judge the world, those who have not come to Christ, will pay sin's wages.....permanently. There are only "sheep and goats" alive at that time, (Matthew 25:31-34, 41) so we will be consigned to either one camp or the other by a judge who knows us better than we know ourselves. One inherits everlasting life...the other everlasting death.
So that is how I would interpret the scriptures.