As I've already stated, you simply need to explore modern afterlife-research, if you want to know how life, incarnations and the spirit-world, actually works. (It will set you free, by the way - as you will no longer have to worry about following any religious "rules". Instead, you can just follow your own morality/what feels right for you.)
But yes - it's true that the main point with us souls incarnating as humans, is for us to experience problems (as problems originally don't exist in the spirit-world), and to try to become better at dealing with them.
And you don't have to believe anything I say, of course. You'll discover these things for yourself anyway, the day you die.
And yes, humans are to blame for their own actions (although some of their actions have been pre-planned in the spirit-world, and were thereby intended to happen) - but God would also have been to blame for their actions (if God was an actual person, instead of a "thing"), as God would have been the one who sent souls to earth (which God would know is a fucked up place), as I've previously explained.
(However, humans aren't blamed in a harsh way, nor judged/condemned/punished, in the afterlife. In the afterlife, it's more about the acknowledgement of guilt/blame, if someone has done something morally wrong - but it's not about any harsh blaming and judgment/condemnation/punishment.)
I know these things, due to the combination of the 3 following things:
1) The undeniable evidences of modern afterlife-research.
2) The undeniable principle of what a fair, reasonable, intelligent and loving God and spirit-world, would actually entail.
3) My personal experience with the incredible peace and love that the afterlife actually entails. Anything else than true peace, love and freedom, is simply incompatible with that. And anyone who's truly experienced this, will know what I'm talking about.
In other words:
The reason why I'm right about these things, and why a lot of other people are wrong about these things, is that all of these 3 factors that I outlined above, align perfectly with each other.
Remember, if something is truly true, it will show up the same way, in various places. (In other words, "something that is true, is consistently observed".) And such consistency, combined with logic, reveals what's actually true about things. (That's why we know that the earth is round, that gravity exists, and that evolution is true.)
So, anyone who has had spiritual experiences that contradict these things (for example people who see "demons" or similar things, during their spiritual experiences), have simply had a twisted, spiritual experience, where their own mind has influenced their spiritual experience (which is why Christians often see "Jesus", while Muslims often see "Muhammad", and religious people in general often see "demons"/"experience going to "Hell", and children often see cartoon-characters; during their spiritual experiences); or their spirit-guides have simply played a trick on them (which some spirit-guides do, either as a joke, or because it's meant to be a part of the person's challenge in life, as it can make the person fear "Hell" or similar things).
You see; when a person is in the spiritual dimension, he/she is in a highly suggestable/easily influenced state of mind, which can often cause his/her belief-system (for example his/her religious beliefs) and/or life-experiences to influence what he/she initially sees/experiences there. But if the person is truly dead, and thereby stays in the spiritual dimension for long enough; then the superficial projections of his/her mind, eventually fade away, and the real spirit-world and the real souls there, become visible to him/her.
First of all:
I only meant that it's usually possible to know the objectively correct morality regarding things, if a person has good, logical capabilities, and proper knowledge about the subject in question. But I originally didn't write the word, "usually", in the post (although I've edited it in now), so I'm sorry about this confusion.
Of course, sometimes there are multiple things that seem to be equally moral, and it can thereby sometimes be difficult to decide what the objectively correct morality is - even if a person has good, logical capabilities and proper knowledge about the subject in question.
Second of all:
Not all philosophers are highly intelligent and rational.
Third of all:
Some things are out of reach of human knowledge - but most things are, at least to a large degree, within reach of human knowledge.