I'm not a universalist, and the way I talk about final loss is this: People worship idols - money, whatever. Their humanness gets reshaped around the idol - you become like what you worship. That's one of the basic spiritual laws.
N. T. WrightBlessed are the pure in heart; how will people believe that, unless we ourselves are worshipping the living God until our own hearts are set on fire and scorched through with his purity?
N. T. Wright