When people do wrong they are constrained by police, court system, imprisonment or going to gallows. That’s why government institutes punishment system, because passions of man do not conform to justice and dictates of reason without implementing these constraints.
Yet despite physical constraint people still go wrong, cheat, embezzle, bribe, rape or kill. So, the commandments and concepts of going to hell in most religions is taken as ultimate check for people’s wrongdoings. Maybe it arouses realization and a feeling of guilt which makes one go through the hell itself. Though it is not true for everyone. Some cheat and enjoy life.
In case of perennial usury world system there is no universal guilt. There is no personal hell if wealth accumulates. The unadulterated could only re-type scriptural law and remind!