Why Would a Loving God Create Hell?

Hell is in some ways not so much a doctrine to be liked as it is a doctrine to be accepted. Nobody should like the suffering of others. God doesn't (Ezekiel 18:23, 18:32). On the other hand, an eternal Hell is necessary for the valuing of human life and human freedom. If humans are valuable in themselves, then a low quality of life is preferable to causing a person to cease to exist (annihilationism). If a person chooses to live apart from God, yet God is the source of what we perceive as making life enjoyable, then how can Hell be avoided? If God makes Heaven what it is, then how can a person reject God and accept Heaven at the same time?