I think this generalization is too careless. The "faith out of fear" is a thing of the past. The old tradition of scaring people to believe is long gone. Most Christians now believe because they chose to believe.
Though I can't speak for most Christians, I can speak for myself. Hell had absolutely nothing to do with my coming to our Lord Jesus, in earnest, when very young. I slowly read the New Testament gospels into the late night, and in Jesus Christ I saw a man who was of complete truth, explained everything wrong with the world, stood absolutely on righteous principles, no hypocrite, didn't suck up to anybody and compromise Himself, had no fear, with the power of God to make the blind man see, both physically and spiritually: in short, a man unlike any other, with a truthful genius, words like no other man, ever, and righteousness, justice, that made Him an absolute, enthralling Hero to me I wanted to follow, seeing my own shame, lack of holiness and depravity, which, also, only He had the solution for. So, it wasn't hell fear for me, rather love for and awe of our Lord Jesus.
Anyway, the Bible does not teach self-love motivations in our relationship with God and the pursuit of happiness in this carnal world. If this were the case, you'd be a goner, as Jesus Christ would have never loved you enough to suffer the hellish for you, and God would be busy making Himself happy, that is, get us sinful worms out of His sight, not long suffering and redeeming of us. This Mrs. Osteen statement is abominable. She's going to have to tickle somebody else's ears with such fake gospel statements, lies, and Joel's partial truths, so as not to upset Loadicean believers straight into being spewed from the Lord's mouth and, yes, into hell.
Matthew 7:21-23 Not every one that saith unto me, Lord, Lord, shall enter into the kingdom of heaven; but he that doeth the will of my Father which is in heaven. Many will say to me in that day, Lord, Lord, have we not prophesied in thy name? and in thy name have cast out devils? and in thy name done many wonderful works? And then will I profess unto them, I never knew you: depart from me, ye that work iniquity.