You said it, "most people's theories". Truth is, nobody has a clue what happens in such a case. Let's come up with another theory...a person commits suicide because of past life karma, maybe he was a serial killer in a past lifetime. So they take their own life an din this case maybe their soul is finally free of the karmic debt, if such a thing exists. Will then the soul be punished for this ? Wow, brain hurts now...time for some mindless gaming haha
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