I think your theory has a lot of validity. This is one of my favorite Hermann Hesse quotes:

"The way to innocence, to the uncreated and to God leads on, not back, … ever deeper into human life. … Instead of narrowing your world and simplifying your soul, you will have to absorb more and more of the world and at last take all of it up in your painfully expanded soul, if you are to ever find peace. This is the road that Buddha and every great man has gone, whether consciously or not, insofar as fortune favored his quest. All births mean separation from the All, the confinement within limitation, the separation from God, the pangs of being born anew. The return into the All, the dissolution of painful individuation, the reunion with God means the expansion of the soul until it is able once more to embrace the All."

When I first read that quote in 2013 it reminded me very much of my introduction a year earlier to soul contracts and the conflict between human actions and what our higher self knows.

"At rehab, the spiritual staff consisted of a few priests and ministers — and Meredith. Meredith gave a lecture that discussed the Mayan calendar, crystals, etc., etc. I dubbed her Mystical Meredith. As I knew that getting past my God roadblock would make recovery easier, I had arrived at rehab hoping to find an understanding of God that meshed with my conception. After hearing Mystical Meredith’s lecture, I scheduled a counseling session with her.

I told Meredith that I believed in the existence of souls because I had spoken to the souls of dearly departed through a psychic (see short-form story), and I asked her how God fits into this — asking her if there was a hierarchy of souls with God at the top?

Before answering me, Meredith asked me why I thought I used substances abusively. I answered that I thought there was an irreconcilable conflict between my conscious and subconscious minds over things I had done, or not done, over the past few years, and I drank and drugged to run away from rather than resolve this conflict.

Meredith explained that the conflict was not between my conscious and subconscious, but between my mind and my soul. Meredith’s conception of God, or the Great All, and how we and our souls fit in, is that when our souls leave the Great All to take human form we contract with the universe to experience certain painful things on Earth that are not spiritual so we can learn what is spiritual (love, kindness, compassion, charity, etc.)."