probably the only ones who really ready themselves for the yom hadin and do teshuva, are the ones who have never sinned at all during the year.
Which is exactly no human being on this earth.
And not everyone has a cheilik in Olam Haba. There is a whole list of things that can cause someone to lose his cheilik.
But it’s not up to us to judge, nor do we know the true workings of HKB”H.