Refreshed you said, "We have our own spirit/soul that God gave us when He breathed life into us. And when we die, that same breath/spirit/soul belongs to God to do with it as He wishes depending on whether we have the deposited guarantee or not."
Yes, and he has told us what he's going to do with all the souls of those that are not believers. So we don't have to have a big guessing game as to what he might do.
Matthew 10:28 Do not fear those who kill the body but are unable to kill the soul; but rather fear Him who is able to destroy both soul and body in hell.
Loquat says no hell 'fire' could ever destroy a human soul. But that's not what Jesus says. So whom are you going to believe? I'm going with Jesus myself.