"Failing" is a value judgment, but then that's why we're here -- to offer up our judgments. lol
Frank started a similar thread a while back. I posted about what our local indigenous people (the Ojibwe) believe; it corresponds closely to my own personal beliefs. A major figure in their cosmology is Gitchi-Manidoo, Great Spirit to the English-speakers. It isn't really that though; it means more like "great mystery." Almost everything possesses manidoo/spirit/living essence/mystery. The mystery is we cannot fully know this essence because of our minds' limitations. When a person dies her spirit travels to the West and eventually reunites with the spirits of her ancestors/family. It's not a heaven nor a hell, just what happens to the manidoo within us all. Gitchi-Manidoo is not a judge or fatherly presence like Western religions have, nor is it exactly a creator either. This is the extremely simplified explanation; it is far more complex than this.
This cosmology does have the nearly universal belief in some sort of afterlife. As for me, if death of my meatspace body is the end I'm fine with that. If reincarnation is how it works, that's okay too. Heaven and hell, sure, whatever.