@chuck34108 in Catholicism at least you've got the doctrine of "original sin"--the default destination for a soul is hell b/c it's tainted by original sin.
To escape that fate you've got to be baptized. Once you develop morally to the point where you can be held responsible for your actions you've also got to not sin, or seek forgiveness when you do.
(I am very much not defending this view--just explaining what I was taught as a child)
@rpardee oh I was brought up to speed on that too.