Is the universe just?

[anagogy]

What if I choose to see incarnation as a game and see that death was equivalent to just losing a character in a game?

That is pretty much how souls see things anyway in the afterlife. That doesn't really make a difference.

But if you were polarizing negatively, you could theoretically go on a mass killing spree and successfully balance your karma in the STS way I provided above, and as long as you reach self-harvestable grade absorption you could achieve enough balance to make contact with intelligent infinity and harvest to the next density.