Considering how different all of these experiences by different people are ─ I'm not necessarily talking of the videos in the previous post ─ I think there's a psychological effect involved, related to what a person believes to be true. And by this, I do not mean their religion, because that last woman was an agnostic, but that was a conscious choice she had made, and that is usually made by people who had been exposed to a religious indoctrination earlier.
Such an indoctrination leaves traces in one's psyche ─ a conditioning, and subconscious/unconscious beliefs. And I think that when people are on the cusp between life and death, their consciousness conjures up those subconscious/unconscious beliefs and causes them to "materialize" into an experience. It creates a new reality for that person to dwell in, based upon the subconscious/unconscious beliefs that the person was conditioned for by their indoctrination and childhood beliefs.
= DEATH BEFORE DISHONOR =