Do people believe in God mostly because they are afraid of hell? (spin-off topic)

One of the first refutations of the doctrine of Annihilation is:

Bolding and Italics Mine

The premise is that humans are automatically imbued with everlasting life from birth.
How does that square with the need for a “Tree of Life” which is clearly a “spiritual tree” (as discussed in The Troublesome Tree of Life.

It seems to me that “It seems that the unsaved are resurrected with a body prepared for eternity just as the saved are” is a pretty big assumption to make for the “Eternal Burning of Ever Living Souls”.

Ray