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.
One of the PCs comes across a magical ring that grants some power but has odd aura as if cursed. Yet this curse is different than the standard curse. When the PC puts on the ring he/she suddenly feels married. There is now an illusionary woman, who he/she cares deeply for but who is also always very critical of the PC. The wife is demanding of attention and constantly giving the PC directions. The PC wearing the ring is the only one that can see and hear the bride. The curse can never completely be lifted. Even if the PC takes off the ring and somebody else puts the ring on; the PC will still be visited by the ex-wife at least once a month. During this visit she will demand money and apologies.