These levels are self limiting and you can only go as high as your soul is capable of enduring because of the seering intensity of the light increases with each level. Therefore, if you are able to go to the highest level you'll will have to have the balanced energy to do so. The karmic review level is were you re-experience your human nature and balance against perfection which is always going to be impossible. As such you are then going to reincarnate in the 3D after your review. This is necessary until you have minimized your karma and have harmonized your consciousnesses to that of a student of Higher Knowledge. At which point when you die you no longer have to go through the karmic review/reincarnate experience but can skip to the next level.
I would be curious to see the source of this information as well, as it sounds very formulaic, and while I think there's a formulaic factor to the process of living then passing then reincarnating, the way you describe it almost sounds like the goal of living is to eventually get to the point where one needs not reincarnate any longer, actually it sounds a lot like a race towards heaven.
And I think the knowledge of it, even if it could be proven somehow, and focusing on it, could actually prevent one from engaging with this life, which would prevent learning these simple karmic lessons, which ironically, could perhaps end up with someone sticking around for longer. Refusing to live because one is focused on the promise of eternal bliss, sounds like a sure way to not learn much.
The default option upon death is to reincarnate so you have to be aware that you can choose not to. You have to be ready (free of karma), able (filled with the light) and willing (have no desire for 3D pleasures) to strive towards the brighter light. It will not be given to you because you have been a good person. You have to want it enough to push through the comfortable auto function of reincarnation. That is why I said that if you do go to the karmic review level you have to state your intent to go to the next level before the review. You should know that you have balanced your karma through the work so you really do not need a review. You can not bluff your way to the highest level.
This also sounds like you're describing a bureaucratic trap or like an unconscious process that simply recycles souls by default, from the limited reading I've done on the topic, reincarnation is a choice made
after reviewing your life. I think one has to choose to live in order to do so, I don't think anyone gets simply shoved back into 3D. And I think this choice is made with a specific karmic purpose in mind. The soul has an agency that chooses to make it back.
And without that review, how could you know if you have in fact "balanced" your Karma? And if I understood correctly, you don't necessarily need to be a good person, or it doesn't matter, in order to get to the "brighter light" of "higher knowledge", you just have to want it enough for yourself? enough to push through and refuse a review, because you know better than anyone whether your Karma has been balanced?
As I said above, if you replace a few concepts with heaven, it sounds like: You need to know that you can refuse to come back to the suffering of 3D earth and simply stay in heaven with the angels, you just have to really want it.
When in fact I would say that, we're not here despite the suffering, or to avoid it or overcome it, I don't think it's an adverse effect or a necessary nuisance. I think we're all here because of it, it's what we came here for.