The definition of hell is everything that isn't heaven, so right now this is hell. We have the free will to remain here as long as we want, instead of entering into the Truth. Death isn't a ticket or required. If you die, you'll be where you are now and you'll remain who you think you are now until you surrender to the Truth. Think of being you for eternity, would that not become hell eventually?

The existence of negativity is only perceivable by negativity. It doesn't exist beyond itself. You see something wrong outside of yourself however you created what you're seeing. That's what the 'Judge not lest ye be judged' bible verse means. Judging the outside is like judging yourself in a mirror.