I think we have souls and our bodies are just the vessels for consciousness in a physical sphere. The body eventually dies, and the human consciousness drifts to a mid-place, a place where it experiences complete cleansing of all emotion and trappings of its earthly form. It’s literally stripped of its emotional burdens and all the weight falls off. It becomes very light and in fact, has no real “weight” at all. It is severed from its experiences and is able to detach completely.
The soul is then in a total state of readiness for its question - “what did you learn?” It’s asked this by some powerful but omnipotent force that can’t be seen but is heard in all the corners of the mid-place, and at this point it’s important to state that only the soul and the questioner are present. There are no others.
The soul answers the question, based upon about the things it wished had been better, or that it had done but didn’t. Things that should have been said but weren’t. There isn’t any other question apart from this one. The answer will determine the soul’s form and its destiny in the next earthly life - or indeed, whether it returns. There isn’t any concept of untruth either during this process - the soul can only answer honestly.
We are here to learn. I don’t know what happens once the soul has learnt all it feels it can. Perhaps it is allowed to not return and undergo any more trial and suffering - aka lesson.
The other important point I feel is worth mentioning is that if the soul has had a hard life and many lessons in the earthly sphere (the training ground,) then it may take longer to be cleansed and returned to a state of pure readiness in the mid place.
I know this sounds mad. But I think this is what happens!