You're trying to read too much into the verses.
Truly, truly, I say to you, unless a grain of wheat falls into the earth and dies, it remains alone; but if it dies, it bears much fruit. 25 Whoever loves his life loses it, and whoever hates his life in this world will keep it for eternal life.
(John 12:24–25, ESV)
The farmer must give up a grain of wheat to be destroyed in the ground for it to sprout and grow many more grains of wheat.
Life is passing by and not something we can hold on to. It will soon be gone, but when we spend it on Christ, we gain it back as eternal life.
What will it benefit a man if he gains the whole world yet loses his life? Or what will a man give in exchange for his life?
(Matt. 16:26, HCSV)
- The logic is simple. People would spend all that they have, even go into huge debt, in the hope it will pay for the cure of a fatal illness. Possessions are worthless if one dies.
There is no intent to describe what afterlife exists for the lost.
Look at these verses with ψυχή.
Therefore I tell you, do not be anxious about your life, what you will eat or what you will drink, nor about your body, what you will put on. Is not life more than food, and the body more than clothing?
(Matt 6:25, ESV)
28 even as the Son of Man came not to be served but to serve, and to give his life as a ransom for many.
(Matt. 20:28, ESV)
I am the good shepherd. The good shepherd lays down his life for the sheep.
(John 10:11, ESV)
For this reason the Father loves me, because I lay down my life that I may take it up again.
(John 10:17, ESV)
Peter said to him, “Lord, why can I not follow you now? I will lay down my life for you.”
(John 13:37, ESV)
Greater love has no one than this, that someone lay down his life for his friends.
(John 15:13, ESV)
Then I’ll say to myself [τῇ ψυχῇ μου], “You [ψυχή] have many goods stored up for many years. Take it easy; eat, drink, and enjoy yourself.” ’
20 “But God said to him, ‘You fool! This very night your life [τὴν ψυχήν σου] is demanded of you. And the things you have prepared—whose will they be?’
(Luke 12:19–20, HCSV)