"If I am wrong, what have I lost? If you are wrong, what have you lost?"
A common question, I suppose. If you are wrong, then you die and return to dust. Since I already accept that as my eventual fate, I lose nothing.
If I am wrong, then I am wrong. I do not believe or disbelieve based on some promise of some reward or punishment after my death. That concept makes no sense to me whatsoever. I behave in my life as though this is the only life I get. That makes it very precious to me.
You have your belief. I have my disbelief. I suspect that we both behave in our lives in almost precisely the same ways.
I cannot believe just because I am fearful. That is not belief; it's something else. I disbelieve because I cannot believe. It is that simple.
And despite what even many professing Christians want to believe, you are exactly right. Acts 13:48; 1 pet.2:8; Jude 4