Chapter 31 mentions that one's state at the time of death is crucial. How does the text explain this spiritual concept?

Chapter 31 elaborates on the profound spiritual concept that the soul's future state is determined by one's thoughts at the moment of death. The text states, "As is one's state of mind at the time of death; so the soul attains that state." It uses the analogy of a worm becoming a bumblebee through constant fearful focus to illustrate this point. The chapter emphasizes that whatever a person meditates upon at their end is the form they will attain in their next life. For this reason, continuous practice of remembering God's name (satsang) is vital, so that this remembrance remains strong even in the difficult final moments, leading to liberation.