Post-life kama loka is a place the soul goes to reflect upon past lives, including taking account of wrongs done. It's not a state in which the soul permanently remains though, very important to point that all. All souls will progress, none will be left beind or lost.
Hell rather, is human evil manifest on the physical plane. Just as important to point that out. Hell and evil are but temporary. Impermanent human life alone creates evil, whereas eternal Spirit is entirely benevolent.
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