The belief system is that there is a sort of mirror world for the dead that mimics the world of the living. There's a central bank that collects and disperses funds. It's important to remember a few things. One is that this was for a time very long ago and for a specific geographical area that would make up the majority of any "world" someone would live in where this practice originated. As for your point of view of not liking it here, I can actually relate. I wanted to "go" in Iraq. My way, on my terms. DId extra missions, took some extra risks. I was an Infantryman living outside the wire, but it wasn't to be. Body broke a little over a year later to add insult to it. I am self-aware enough to know that my "mission" to make this my last incarnation is related to that. That happens to be a useful source of motivation for making progress in several Occult paths, since I will also work my ass off (like an Infantryman) to "earn" it.