Look at it like capitalism. Nobody's guaranteed riches or wealth - you have to earn them. You could say salvation is the same - put in the time disciplining your mind and it pays off. That's how it's supposed to work in theory. If you're a lazy bum in real life, you're doomed to poverty and misery. If you're spiritually lazy, well... you get the picture.
The problem with salvation as described in the Bible is that it's based on belief and not on behavior. I know theology varies in this area, but what it boils down to is - Believe this event is factually true and you go to heaven, believe it's factually false and you go to hell.
Certain people like me deny the divinity of Jesus simply because we don't think the event happened, not because we wish to go through life being dicks and doing whatever we want. And we're not all liberal hippies either. In the same way we don't think the account of Vishnu is correct, we equally extend that doubtfulness to the Bible and its account of Jesus.
In other words, God can't exist because he wouldn't allow such (apparently) pointless suffering? What a powerful argument against his existence - if he wanted to really test the commitment of his followers, I could think of no better way. What you see as pointless is what the Bible describes as 'trial by fire' or the testing of faith. To some people, that looks like circular logic. To others, it makes sense. The choice to believe is up to you, I'm just explaining the basic concept behind it.
Belief isn't necessarily a choice. There are certain things a person can't help but believe. My desk is made of wood. If you told me I'd be infinitely rewarded for believing my desk is made of metal, it may be appealing to change my belief but I wouldn't be able to do it. I can clearly see that it's wood, and it would take more than a test of faith to make me change my mind.
The fact that horrible things happen without intervention can mean two things:
1) There is a god or outside force capable of intervening, but for whatever reason it didn't intervene
2) There is no god, and thus you would expect no intervention
My belief personally, if eternal torment is a human's punishment for being wrong about belief in god, it would be a pretty cruel test for god to choose not to reveal himself and give the appearance of non-existence, counting on people to place their bets in the right direction.
What if there are hundreds of beings testing your faith right now by not giving you clear indications of their existence, although they could? Should you be punished for your lack of faith in something uncertain?