There's nothing wrong with wealth because look back in the Garden of Eden, but it's how you get it and what you do with it, that's what matters

 Nobody gets away with anything with God, that's why we have two judgments, the great white Throne judgment for those who are not born again and the Judgment seat of Christ for those who are born again.

 Jesus certainly believes in hell because he went to hell for us and in our place so that we don't have to go but if we don't receive him and what he's done for us at the cross, we will have to go on our own behalf

 that's because you've never experienced the new birth, all of us are born atheists until we're born again and once we're born again the Holy Spirit who is the third Person of the Godhead comes and lives within us, and the first thing he does he makes a firm believer out of you regarding Jesus, the holy bible, Heaven and Hell just to name a few things

 You're not saved by Good Works but your Works will be judged whether you are a sinner or a saint your Works will be judged and for the Saints if your works are not approved of God they will be burned up and you will lose Rewards and even the possibility of being saved as if by fire according to 1st Corinthians 3:13 to 15.

 Hypocrites don't like to be called hypocrites, Liars don't like to be called Liars, false teachers don't like to be called false teachers, wolves in sheeps clothing don't like to be called wolves in sheep's clothing, fornicators and adulterers don't like to be called fornicators and adulterers, traitors don't like to be called traitors, the list is endless, but wait till they stand before Jesus the King of kings and the Lord of lords on that great Day! Fair Warning.

 Penal substitutionary atonement is everywhere like you mentioned that preposition "for' is from the Greek huper or anti and should have been translated "in the place of " or "as a substitute", "on behalf of," "for the sake of" just to name of few definitions, and don't forget that Bart is a false New Testament scholar and I'm being nice