Why is life on Earth considered more important than existing in heaven, especially in the context of overcoming fear?

The teachings in Chapter 37 portray the earth-world as being of profound importance, even more so than heaven. While heaven offers sensual pleasures, it is temporary, and one falls from it after their merit is exhausted. The earth-world, in contrast, is the place for the science of the oneness of Brahman and the Self, which is the means to ultimate liberation. The text states that even though life on earth can be fleeting, a person who offers every action to God can attain a state of fearlessness. This makes earthly life uniquely valuable for spiritual progress and overcoming the fear of death.