alt Hacker NewsThat is true of some religions - e.g. moralistic therapeutic deism. It is sort of true of Buddhism because of belief in karma, but that is an automatic mechanism rather than a punishment.
It is not true of Christianity, which promises forgiveness, nor of the other Abrahamic religions.
Not a theologist, but pretty sure that the default destination for the bad Christians is hell.
There is an out-of-hell card you can get if you pay your dues to the local enforcement branch (before you die, they need today’s money not after life checks)