Hi J
We can say that no one is lost when they reach Focus 27, the 'true' Afterlife that we're all entitiled to.
It's the souls who are held back in lower levels that need retrieving.
I have heard mediums say that they found a soul in a dark or confused place/state. Most mediums don't care about the state of the soul, they're trying to convince its relatives that their session is worth paying for.
Experience is the only way to learn. Your surmising isn't valid. Once you have experienced the afterlife and hopefuly some retrievals, then you won't be surmising anymore. You'll be telling others about the new realms of reality that you know.

Bets