But I think that when our time comes to pass on (you could be in a freak accident) and your spirit leaves your body then we find out what the whole pictures is about, and life in universe would be more clear
Would that it were so, but I'm not expecting for things to suddenly become clear in the next realm. I suspect what we experience will be governed by our beliefs now. Christians will see Jesus and hang out with other Christians. Muslim martyrs will see their 72 virgins, finally realize they can't do anything with them without a corporeal body, and contemplate Allah. The point is that I doubt we are any more in control 'up there' than we are 'down here.' In fact, we may ultimately discover that our personalities, to which we hold dear, may be relatively unimportant in the greater scheme of things and are simply aspects of our greater selves which actually exert control.
In terms of reincarnation, my suspicion is that being in a physical body is addictive and that once out of one, we crave to get back into one. While in one we can hear, see, feel, smell, and taste. While outside one we can only think about the same. Does it feel better to think about getting laid or to get laid? That's the lure to get you back here. But once here you are forced to trudge through life learning lessons you didn't know you wanted to learn. One interpretation of the message of Jesus is that he said you could stop this merry-go-round of birth/re-birth if you joined with him and accepted his teachings. That idea has been surpressed, of course, but can be found in some of the non-Canonical gospels.
I also suspect that the ET guys have figured a lot of this out and are taking advantage of the situation by treating us like farm animals for their own uses. I don't think they are the least bit benevolent. That would explain their presence in both realms and also explain the stories of genetic manipulation down here. I don't know whether it is possible for an individual to manipulate the situation much, but I have to tell you I'd rather be a house slave than work in the fields and you can expect me to try to get there. I will go down fighting.
All in all it's a piss-poor totalitarian environment that makes the Gulag look like Hedonism III. I, of course, have no idea if I'm close to the truth and do not present it as such. It's just that my suspicions after forty years of reading about this crap now lean in that direction.
