when somebody is not satisfied with the life, his/her life already become hell .
one need to understand what azab is not necessary the fire or swear cold as it will give pain to the body , when ur body get dead there is no concept of pain in dead cells, its all about charater/spirit ,
God knows what is the weakness of every human being so their test or punishment always occur on their weakness same will happen when your stay of earth will finish , angels transport ur chaaracter/soul/spirit to another dimenshen , people call it alame barzakh and for the righteous it will be nice place and for wrong doers it will give them pain , i think about it alot its not my final conclusion nobdy really knows what will happen to a soul when they dead , nobody can come back from that dimenshen , nobody cant ,
and about the hour/judgement day its definate and that physical hell is not yet accomplish whatever it will be ,
it will be designed for wrongdoers and its not literally fire , as we know its unseen , its more worser than fire infaxt,
and @ lost in world about the reference you provided its nothing to concern with qabar ka azab or punishment of grave , ur body is just nothing more than a old garment that you throw after wearing, same on the judgement day the garment provided to you will be according to the need of thaat timezone , read the full context of the verses reference ,its just talking about the judgment day
and about this,,
We shall punish them twice and then they will be returned to a great punishment? (9:101)
?This verse is a fundamental evidence for the Ahl al-Sunnah wa ?l-Jama?ah in establishing the punishment of the grave?
if jamat ahle sunnat jump in to well it doesnt mean , u also have to jump in well.
for a time being if we clearly look at the verse it talking about twice and great punishment
clear understanding is great punishment talking about judgement day and twice is not refering to grave . its refering to the worldly life , this chapter is talking about the people of makkah who first punished by muslims and again on the end second time they punished and defeated, hope it will help you make understand how to read quran.