If good people go to heaven and bad people go to hell, then what do I have to worry about?

The premise is wrong and therefore the conclusion is wrong. The premise is wrong. It is not true that good people go to heaven. According to God's standard, there are no good people. "For there is not a just man on earth who does good and does not sin" (Ecclesiastes 7:20). The only kind of people who go to heaven are sinners saved by grace. Because the premise is wrong, the conclusion is wrong. If you are not saved by grace, you have plenty to worry about.