I'd like to make a brain proposal by drawing on a couple of threads - one is a scientific study over a decade old on dreams using tetris and people who were 24 amnesiacs (look it up - it's fun) and what was discovered is that dreams are basically the brain's way of trying to help us out with whatever it is we are trying to learn in the waking world. In this way, all our nightmares, blissful exchanges, premonitory events, and repetitive dream loops are all a direct response to whatever we've been devoting a lot of time or personal effort to during the day. I'm sure we can all relate to that.
The second thread I want to draw on is what happened to me during a car accident where it looked like i was going to die as our vehicle sped unimpeded towards a large cube van with the foot to the accelerator (the driver had fallen asleep in the car and woke up at the last second just as we launched into the air up the driveway ramp to collide into the van). I'm going to estimate maybe a second, maybe less, passed between my brain launching into la la land and then coming back to my body just before the crash, which we both survived without a scratch.
But in that second my brain tried to comprehend what was happening, which made no sense to my conscious mind, so when our car leapt up into the air it continued to climb and sailed right over the van and then up above the trees in the park behind the house and my brain said, oh, he's taking the shortcut home and we are going to fly over the park and land on the street outside our house. I remember looking down to the park below and seeing the treetops and the swing set and where we used to play baseball and then peacefully landed in the driveway beside our house.
Then I was suddenly back in the vehicle and my brain said to me: "Ok, we're going to crash. It's going to be a really bad scene but everything is going to be fine. You're both going to be safe." And then bang - we hit that van with full force, crumpled the entire front end of the vehicle and because, by chance one of us put on our seat belts before we left to go home that night the other did too, (this was pre mandatory seat belt laws) and so we both didn't go head first through the windshield.
My assessment was that my brain, which knows time differently than during waking, and can provide fantastic time compression with all these vivid details and events in the space of a second....provided me with exactly what my consciousness needed - reassurance.
I wonder how much of the near death events are just our brain using whatever files are stored in the synapses to provide us with the expectations we have about what death will be like? It's just a big movie theatre that is preprogrammed and front loaded to try and do the best it can for us. Perhaps the whole garbage in garbage out computer analogy tells us something about how our brains relate to consciousness and even why paranormal experiences may have the bizarre sheen they have. And that's why some meet with dead relatives, go to heaven or go to hell - it's all just part of our waking knowledge. The brain is just a processing tool.