aadil77
Glory Be To Allah
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yes I agree with you, there can be in the dunya a little bit of hardship just because Allah (SWT) wanted to remove some of our sins or it can be just an ibtila'a (exam) from Allah to see how strong our faith is. But in general, the dunya is not made for punishment : look at Israel, America, and every unjust country, why won't Allah just destroy them and the world become better.
It can be punishment in dunya, but it would be an exception. And we cannot assume that every hardship we had is a punishment.
Yes it can also be a hardship, but if you see that the people who were affected were doing something wrong, then it can also be assumed to be a punishment and yes not all hardships are punishments.
The kuffar will be punished in jahanumm whether or not they are punished in this dunya as well, if they're punished here Allah still does not forgive them and remove their sins.