The first attribute which emanated from G-d was (הנהגת החסד (הטבה. Once נהמא דכיסופא (bread of shame), comes in, הנהגת החסד must take place through הנהגת המשפט, which creates the situation where the person must earn his own World to Come. If you create your World to Come, you have your World to Come; if you don't create it then you have no World to Come. This means that there is a REAL possibility that there will be no World to Come. The guarantee of הטבה means that there has to be a מטיב to an "other" a זולתו, someone else to be metiv to.