The multiple-worlds theory of cosmology allows room for every religion's Heaven and Hell and other planes to coexist, with the similar planes of all the sapient beings of all the worlds in all the galaxies...How often do the wires get crossed, as it were, leaving your paladin in a Hell for hedonistic lizards, for example.
Diseased people, (leprosy or any other such fear inducing disease) when traveling, will often times wear a cloak that entirely covers their body and ring a bell as they travel, used as a warning for any others to stay away. Could be used for a disguise or safe passage. ... you meet strangely cloaked people, sometimes ringing a bell. "Please give us something to eat, mighty heroes!" This is time to show how good they are.