I managed to keep a hold of my suspension of disbelief with the idea that the afterlife is a magical version of a brain upload and only works when you have magic in you to record your brainstate at death.

We're not sure if the afterlife exists in the MoR-verse.

ETA: Eliezer weighed in on this a long time ago.

Warning: Don't wander. One of the things you can find on the sidebar has spoilers for upcoming chapters.