“How does Lubavich explain “Ani Maamin…” HKB”H gives reward to those who obey his Mizvos, and punishes those who disregard them”?
S.char veonesh does NOT exist in Lubavich lexicon! According to the RAMBA”M, not believing any one of the 13 Principles of Faith is tantamount to kefirah CH”V!”
Lubavitche believes 100% in schar veonesh, gehenim gan eden, (we learn about the different levels of them in chassidus), just we don’t believe that, that’s the ultimate way we should do a mitzvah or not do a aveirah.
We try to emphasis that we should do mitzvah because Hashem chose us to have the zchus to do Hashems rotzion, and be a shutif with Hashem, kabolas al, and ultimately make a dirah betachtoinim, and if we cs”v do a aveirah, we are going against our mitzius and reason why we are created. And we are being moired bemalchus, (in Tanya it’s explained, that even a small aveirah is like כאילו doing avodah zarah).
Now if that doesn’t get to do mitzvos then obviously you should think about schar veonesh.
My magid shiur (which is one of the top maggid shiurim in Lubavitche) said befieresh, if the above reasons doesn’t get you to do mitzvos, and hold you back from doing aveiros, then you should for sure think about schar veonesh and gan eden and gehenim.