It seems indeed that there is no smooth sailing for anyone of us. Life get's you, the one way or another. This leads to the conclusion that the purpose of the whole exercise must be that a matrix is provided in and upon which one is able to learn and conclude, for the most part through the outcome of one's actions and interactions.
The idea is that one checks out at the end (personal death) with a broader knowledge from experience, since everyone who checks in is bound to have experiences, no matter how benign, interesting, boring, trivial etc. The kind of experience on has is secondary, one could even state irrelevant. Whithead states: To fear death is to misunderstand life:
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Terrence McKenna comes closest in wording it well.
Check YouTube entries about him. Eros and Eschaton for instance. Also quite remarkable: Dec. 2012 has been determined by him independently from Jose Arguelles, who promoted the Mayan calender, as a pivotal date for that change. McKenna calls it Omega point.
He speculates that time could be annihilated in its current definition for instance. McKenna certainly recognized the magnitude of what's to come. It is something much larger than death.