Usually when the soul crosses over and realizes that the level of karma they have attained this time has been in a negative direction, they don’t want to complete the transition because they are scared of what they will see. Meanwhile their minds will lock onto this source of the fear, and it might be the very scene from the life that caused their karma to develop in a negative direction. That is all they can focus on. They don’t realize that things are balanced on the spiritual plane. Even though they may go to a lower plane than they were before it is not designed to cause pain or torture.
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