What you wrote above reminded me of a video I watched several months ago on this topic:From what I have read about this so far (the book Suicide and the Afterlife - sorry, this is not the exact title, just paraphrased - is still on my to-read-list), suicide is in most instances - but not all - ‘frowned’ upon in the afterlife. The way I see it is that the person wastes a good opportunity to further it’s own advancement.
Also I don’t think that it is only for the “Universe to decide when to recall the soul”. There is free will. While the ‘prospective life’ is designed in broad strokes in the pre-life planning phase, there is a big element of free will about what to do once living the life - otherwise, what would be the point if all was predetermined?