The basis of salvation is trust in God's way of salvation submitting to that, which is through Jesus Christ when he was revealed in this world. His account of Lazarus and the unresponsive rich man who knew about him was not saying wealth or poverty is basis for salvation. Rather there is just penalty to come for sins, without repentance any do not have salvation, which is through Christ since he has been revealed. Lazarus was in fact not sinless, but the point of the account did not need that consideration, certainly Lazurus repented of his sins, as any need to do. I believe this was before any could go be with Christ when they die, so Lazarus went to where those who repented and lived for God went after death in this world, it was paradisial while still in the realm of those who died known in Greek as Hades.
I can see there may be physical aspects in the realms of the afterlife, I don't see scriptural basis to say how that cannot be tge case. In any case there are certainly going to be sensations all will have in the realms of the afterlife. There will still be misery experienced by those in that realm known in Greek as Hades who never could go to be with Christ, while they wait still for their judgment for fair sentence in the realm of that judgment in eternity. Souls are not terminated, they are created to last, and those not repenting suffer the consequences themselves without end then. Christ came to save us from that.
Still, Paul said that to depart would mean to be with Christ, and it would be better to depart than to remain in this world. That could only mean that those repentant redeemed people, as Paul, would see they are with Christ immediately when they die in this world. Christ said, though we die we shall still live. Christ is in Heaven, not that realm known in Greek as Hades.