Hell multiplies over!

Every religion has Gods, one at least. Every religion has scriptures, or at least a doctrine. And, every religion has the concept of 'heaven' and 'hell', or at least 'hell'. And, each religion has its own concept of good and bad. If you do good, you go to heaven, and if you do bad, you go to hell. But, what if you neither did good nor bad? Where would you go? I don't know if any religion talks about that. OK! Let's take this example: Two people of different religions have lived similar lives, having committed the same sins. Now, since the concept of 'wrong' is different across religions, these souls would have to suffer differently in different hells, because it would be cruel to treat the same sins differently in the same hell. So, obviously, there needs to be a separate heaven and hell for each religion. Having said that, what about a person who doesn't believe in any religion? And, what about a person who had converted from one religion to another? Where would they be punished? Maybe he would first end up at the gates of the hell corresponding to his birth religion and then be referred to the gates of his new religion? And, surely, there must be a neutral hell, where all cases of atheists, agnostics, and dispute end up. Disputes, such as those where one's husband is of a religion different from that of her birth, wherein she might be required to get an NOC from her father's God so she can be punished as per her husband's religion! And, this common hell can be for animals as well. Generally, animals don't sin, but what about lizards in women's bathrooms that might have driven the woman to run and break her leg? And, what about different religions having different populations? Gods whose religions have high population and thereby high death rates would have more daily work than those other religions and would obviously be angry at the 'relaxed' Gods who don't do as much work, but get paid all the same. Either all this is true, or God is One!