Regarding one's condition at death, the bible states:
(Psalm 146:3-4)" . . . Do not put YOUR trust in nobles, Nor in the son of earthling man, to whom no salvation belongs. 4 His spirit goes out, he goes back to his ground; In that day his thoughts do perish. . ."
Kind of hard to work your way out of a situation when your thoughts have perished.
But, you missed a little something there: It is a man's spirit
that goes out of his body, and the earthling man's body
that goes back to his ground.
The spirit is all-knowing and knows everything
ever done or thought. The spirit will plan again, hoping not to miss the mark it will set for itself, yet again. However, spirit is willing, but flesh is weak
We all know what we should do. Most don't want to, so forget.