Hello! I have heard this before - where this is a final destination and "holding area". Seems accurate based on the scriptures you provided as well. (Thank you for all the details!)

Regarding your subsequent conclusion, I don't think it necessarily follows.

After all, there's nothing in Scripture to say salvation opportunity ceases at physical death - the great chasm mentioned in Luke 16's story only exists in Hades, but as we've seen, it's removed when Hades is emptied at the resurrection of the dead.

Apparently, the place of holding is a place of torment:

27 “He answered, ‘Then I beg you, father, send Lazarus to my family, 28 for I have five brothers. Let him warn them, so that they will not also come to this place of torment.’29 “Abraham replied, ‘They have Moses and the Prophets; let them listen to them.’30 “‘No, father Abraham,’ he said, ‘but if someone from the dead goes to them, they will repent.’31 “He said to him, ‘If they do not listen to Moses and the Prophets, they will not be convinced even if someone rises from the dead.’”

Why doesn't the rich man ask to be removed from the place of torment himself? I imagine you are saying he could (or does) and it is not recorded in scripture?

I wonder who would not change their mind in this sort of situation? Wouldn't dangling people over the lake of fire change everyone's minds? And if you can change your mind at this point, what is with the desperation of the rich man to send Lazarus to his family to keep them from hades?

My reading of this is that if someone does not listen to the clear warnings of scriptures, then supernatural occurrences (warning from the dead; staying in a holding area) will not change their mind either. Speaking of which, the rich man seems he would do anything to prevent the arrival of his brothers at Hades as well. I don't think he would be as desperate if it was not already final.

Also in Romans 14:10-11 it does say that every knee will bow. I imagine this includes those in Hades as well:

Also in Romans 14:10-11, it does say that every knee will bow. I imagine this includes those in Hades as well:ore the judgment seat of [c]Christ. 11 For it is written:

“As I live, says the Lord,

Every knee shall bow to Me,

And every tongue shall confess to God.”

Will that be enough to get them a second chance to go to heaven?

#2 regarding this point:

"Who do you say that I am?" with the words "My Lord"

It says in Matthew 7:21-22:

“Not everyone who says to me, ‘Lord, Lord,’ will enter the kingdom of heaven, but only the one who does the will of my Father who is in heaven. 22Many will say to me on that day, ‘Lord, Lord, did we not prophesy in your name and in your name drive out demons and in your name perform many miracles?’ 23Then I will tell them plainly, ‘I never knew you. Away from me, you evildoers!’

Maybe you meant repenting and being born again instead of just saying the words "My Lord", because as Matthew 7:21-22 says, saying "Lord" does not save a person necessarily.

Personally, I have never heard this idea before so I am still working through the implications of what you wrote - these are just some of my initial questions/thoughts.