We're all going to die at some point, so I guess you're right about one thing here; we will indeed all have a day of reckoning, yourself included. Unless the athiests (stated respectfully of course) among us are correct and we just... end.
I don't think we are going to just 'end'....but we won't know for sure until we die......
If the day of reckoning comes...I think we will judge ourselves.
Perhaps every emotion / response we create in others, throughout our whole life will be part of the reckoning..?
Can't do better than creating a bit of happiness and love....when possible.... maybe. (and not being too hard on ourselves as well)
Here endeth the Sunday Morning Sermon.......lol