Allah (swt) says in the Holy Quran,
‘Verily, those who disbelieved and died while they were disbelievers, the (whole) earth full of gold will not be accepted from anyone of them even if they ordered it as ransom. For them there is a painful torment and they will have no helpers’. (TMQ-3-91)
Let us try to elucidate this Quranic verse in the light of a hadith.
‘On the Day of Resurrection Allah (swt) will ask the one who is in Hell, ‘If you had all the worldly possessions right now so would you like to offer it to Me in order to protect yourself from the Fire of the Hell? The sinner will say, ‘Yes’. Allah (swt) will then say, ‘When you were in the world I had asked you for something quite less. I had Commanded you not to associate anything in worship with Me but you did not obey Me’. (Al–Bukhari, Book of Ar-Raqaq).
This ahadith shows that a disbeliever will have to face the Wrath of Allah (swt) on the Doomsday compulsorily as there will be no breather for him. Even if a disbeliever might have done some good deeds during his worldly life, they will go in vain. Whatever virtues he possessed will go waste and will not reap him any rewards in the Hereafter because he did not have faith in Allah (swt). This fact is evident by another hadith in which some people had asked Prophet Mohammad (saw) about Abdullah bin Jada’an. They said that since he was such a hospitable man who was a supporter of the poor and the needy and he used to free slaves too, due to his kindness, so will his good deeds reap him good rewards in the life Hereafter? Prophet Mohammad (saw) replied, ‘No, because he did not ask his Lord for forgiveness even once during his lifetime’. (Sahih Muslim, Book al-Imaan)
The verse 3:91 states that if a disbeliever wishes to get respite from the punishment of Hell by offering a gift of an earth full of gold, his gift will be rejected. Now it is quite obvious that each one of us will leave this earth sans all our worldly possessions. The only thing of value which we can retain on that day will be our virtuous deeds which we do on earth, with the sole objective of earning Allah (swt)’s Goodwill. Besides this, the question of a sinner being able to offer an earth full of gold in ransom does not arise. An earth full of gold is a metaphor used in this verse to describe the helplessness which the sinners are going to face on the Day of Judgment. Such wretched people might have clung on to their worldly possessions and would have spent their entire lifetime trying to increase their wealth. However, their materialism and greed during their lifetime will eventually spell the death knell for them and all the wealth of the world will also not be able to alleviate their punishment in Hell.
To sum up, just like some specific educational qualification is needed for a person to obtain a high post in a Company similarly the basic requirement for getting a good post in the life, Hereafter is the Islamic principle of Monotheism, or the oneness of Allah (swt). So those who adhere to this Islamic principle will sail through.