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If you are lucid while physically sleeping, then you have a lucid dream / out-of-body experience / astral projection, the name depending of where you find yourself, your degree of lucidity, and your definitions.
From what you describe, you where just dreaming, and your guilt and fears induced the scenarios you described.
Nobody punishes you, but you might not fulfill the reasons for which you incarnated. You incarnated knowing what kind of life you'll have, and one of the reasons was, probably, to deal with this challenge.
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