The question is my interpretation of a spiritual talk I watched on youtube yesterday and by no means my own wisdom.
In brief summary, a brilliant teacher speaks about a background subjectivity that is the self and God of the worlds spiritual traditions and religions. Although this is already known to many viewers and not the subject of the video. Then also speaks of another subject in the foreground which is never mentioned in spiritual teachings and the subject of the video.
He shows the viewer an old Indian painting that depicts an old Indian myth. The image is of a female god (kali I think) standing over the body of the primary male god shiva, with sword in hand and a severed head in the other, and a few other details, but I'll be brief instead.
He explains that the true meaning of the image is not what is tolled by the myth. That the primary god did not play dead in order to stop the rampage of the violent female god, but was instead struck unconscious and incapacitated by her.
He then explains that every person, no matter who or what they are, at some point in their life, and in most cases towards the very end, will encounter this event. That no matter what state of consciousness a person has attained, even the greatest spiritual masters, at that time will succumb to the rampage of this female god, or the foreground I, and no state of oneness, or the ultimate or whatever can help you. That the purpose of this event is to finally and to absolution, remove all trace of the ego in preparation for your passing. That it's purpose is to humble you, and the only thing you should do when you inevitably encounter it, is to humble yourself as much as possible and approach in an attitude of service.
He mentioned that this is what is known as judgement day in the western religions. He gave only one example and to my surprise it was the crucifixion of Jesus. That when he was said to have cried out in a loud voice, "my god why have you forsaken me", this was his encounter and he was genuinely suffering.
Ofcourse there's still things I don't quite understand, especially about how and why one is prepared and "balanced" as it was put before passing on, and ofcourse what passing on actually means.
But from my own experience of the threshold of psychological pain, what I described in the question is what I felt and observed.