Why does Sai suggest that life on Earth is more valuable than heaven, especially in the context of overcoming the fear of death?

Chapter 37 presents a compelling argument for the value of the earth-world over realms like heaven. While heavens may offer sensual pleasures, one inevitably falls from them after their merit is exhausted, implying a temporary state. In contrast, the earth-world is of profound importance because it is the unique place where one can attain ultimate liberation through the science of the oneness of Brahman and the Self. Though life on Earth is fleeting, by offering every action to God and surrendering to the Guru, one can attain the 'place of fearlessness,' a permanent state free from the cycle of birth and death. This makes our earthly existence the ultimate opportunity to conquer fear for good.