@ Adstar:
Thank you for the information.
The way I want to believe this universe is organized goes like this, and I've got these ideas after I read Shakty Gwain,Krishnamurty and others. We have free will, our spirit chooses its way to evolution. Some souls can choose to have fewer challenges in the next life, or many challenges so they would evolve faster and it does not have to come back too many times. Some may choose not to incarnate and continue evolving on the spiritual level by being around a soul that is in the physical level.
Every individual has challenges we have seen how even those rich and famous commit suicide sometimes, or end up in drugs and other bad things happen to them, life's quality can not be judged in terms of material possesions or other mundane parameters such as fame.
The interesting point you make is that:
"The way I want to believe this universe is organized"
Therefore your beliefs are derived from your desires. They have no value in relation to what is.
All Praise The Ancient Of Days