The trouble comes when these past life personalities are not properly reintegrated back into the present day person's memory. In cases of MPD or SCH, the crises are so severe or so chronic that this shut down mechanism can no longer function properly. The mind then has difficulty distinguishing between the current and all prior personalities. In a sense, the prior personalities come back to life and fight for the attention of the current body-mind. In SCH, there is a dominant prior personality which drives out all others except themselves and the current day personality.
Most people have.
Often those experiences are to suffer for ourselves what we have caused others to suffer. I think it could not be. When it becomes clear that these situations were chosen by returning suicides, Nazi medical experimenters, serial killers, and the like to understand the effects of their brutality, then the role of cosmic justice becomes clear. There have been documented cases of individuals retrieving things in a later life that they had stashed away in a previous one. Briefly, Shanti mentioned the following which were later verified to be true.