I suppose that's as likely a theory as any other.
To further the question of "What is hell?" - I sometimes think that Hell is a very custom experience, tailored to what each individual likes or dislikes.
For example, and while covering up certain details:
I spent a couple years living in a certain city pursuing career goals that could realistically only be done in that area. I had some minor success, but nothing exceptional.
After 2 years, due to a poor economy (thanks Obama and liberal democrat ASSHOLES), and a severe financial deficit, I was forced to move from this city back to my hometown, which is another smaller city a couple thousand miles away. I hate being here especially for no other reason than the lack of money. Every day of my life spent in this place is a day of my life WASTED, as far as I'm concerned.
However, after 2 years of work, improving my job skills, and some not-so-ethical behavior, I have managed to save up enough cash to make my triumphant return, which I will do in 2 months. And my newly improved job skills and experience will open a new career field to me, which will hopefully make me financially independent enough to stay there permanently until such time that I no longer need a normal job like a common person.
I have thought of the sheer WASTE OF MY LIFE for over 2 years as being in my own personal hell. Maybe this is what hell is - keeping you somewhere you don't want to be, not able to do what you want to do? I guess a lot could say that about jail too.
Was I brought back here by divine intervention, because I needed to learn things that would not have happened in the other place? Maybe. Did I find ways to learn and improve and overcome the obstacles that made me have to come back here? Yes.
Are homosexual buttslammers in their own hell whenever they are ridiculed for being the freaks that they are? Possibly.
Sure; we can theorize life itself takes place in a computer, and you are the only person actually existing in that life, as a brain in a jar hooked up to the computer, or perhaps more like the matrix, but lets be honest, that is highly unlikely. I can theorize the world is actually flat, because when I stand on it, I don't start rolling. I can theorize the sky is actually green at night, because the aliens switched around our words for green and black overnight. I don't know about you, but these theories don't sound nearly as likely as any other. What's more likely: we exist as multiple minds in the same, non-jarred reality, the world is actually not flat since we can go forward in a mostly straight line and eventually be back where we started, and it doesn't matter what word we use for the sky since it's still the same color. These latter theories are much more realistic and reasonable; the former are what many of us would consider crazy. So we can see, the rational theories are more likely than the irrational theories.
My point was, we can make this world a living hell or a living heaven. If we make other people's lives hell, how can we expect to live better lives ourselves? I'm certain you don't need me to explain why hating homosexuals is both irrational and cannot possibly bring about happier days; it's not as if they're going away, and it only makes us all unhappier as a result. There is no such thing as a personal hell; misery loves company, and when you're in hell, you bring everyone into that hell, so why ask for others to be in hell and expect something better to result from it?