Catholic suffering

Where the catholic suffering doctrine turns back on itself: a true catholic should follow for love of god and not fear of hell, but assuming there is a small population motivated by the latter; why would a benevolent god allow for a hell? And if the cause of hell is to fall into certain vices on earth which are actually the fruits of human life, why would we not claim our heaven now and suffer eternally, as opposed to the catholics who suffer now to live joyously forever—other than, of course, a utilitarian logic like Pascal’s wager. Why would I not disobey a god who gives me an ultimatum, just like a catholic martyr who disobeys a king who threatens who threatens him with death if he does not adopt the state religion. Is not an atheist a saint by the same definition? Choosing the long death of hell, in exchange for a humanist life on earth.