In one of the Flashman books General Harry is talking with some philosophy professors. One of the professors opines that in Hell people would suffer from mental anguish because the agony of the soul is much worse than any physical pain. Flashman then recounts a few of the things he's seen on battle fields over the year...
This is why you save money, and later invest. You may die at 21 (like the famous TV show "Dead at 21"). If that doesn't pan out, you may like to 90 and want to eat and do stuff.