If we are the creators of our experiences, wouldn't that include NDEs?
We are not the sole creators, we're in relationship to everyone/thing else in a situation.
Choices, large and small, feeding in from a myriad of participants, aware or unknowing, wilful or unconscious, meet at a point of happening.
We call it an accident if there is no conscious intention, or when we or others do not want to take responsibility for our choices. But it doesn't mean that given all the particular choices the end result was ever going to be any different. Tracking back those choices, being honest about our own, and forgiving of the choices of others, it becomes a blameless unravelling explanation, rather like a forensic inquest.
If one solely thinks they are the only participant, the only actor, the only one with things to learn and things to experience, then that's .... erroneous. We're all in this together.
Even with my nde where I learned much, I was not the only one, not on this plane or in the light, that benefited and grew, or indeed was harrowed, concerned or had our 'world views' changed from the experience. And neither were my choices the only ones that 'allowed' this experience to occur.
Forensically unravel any experience and you will see yourself as a contributor and others as co-contributors.
All of our choices - conscious or not, intentional or not, matter - they create, they 'form' the matter of experience.
We may not realise that 'ask and you shall receive' or 'judge not lest you be judged in the same manner' are real when expressed at a frequency of energy that creates, that feeds in, that finds like energy to create and build an experience.
I had no 'plans' to have an nde, I just made choices in the moment in response to choices that others made.
I accept now that our choices are made based on our individual levels of awareness, capacity & willingness intertwined and meeting.
We learn, we grow in awareness, capacity and willingness by our experiences, whether they are of our 'choice' or not.