The explanation is very simple, once you recognize that DNA only has two drives, and they drive literally everything else in life: (1) survive so you can (2) reproduce. It's that stark. This happens not at a conscious level, it's at the cellular level. The drive to reproduce is so strong, so innate, that it can actually threaten the ability to survive in certain mutations. That's kind of how cancer works. Why's that important to NDE's? Your primal brain, the parts of it you cannot control, like your "startle response" reaction, ONLY wants these two things. When that part of your brain finds a mortal threat, a real problem with a vital sign that you can't control, the theory is that it begins to emphasize the first priority: survive, so your cells can continue reproducing. How does it try to convince the conscious part to keep fighting, not just quit, because your cells want to reproduce? It finds the touchstones you've stored in your brain over the entire course of your life, your most cherished shit, and says "HEY! REMEMBER THIS! WE CAN DO THIS AGAIN!" or "LOOK, HERE'S JESUS, FEEL BETTER?" or "HERE ARE YOUR CHILDREN, THE PRODUCT OF SUCCESSFUL REPRODUCTION [except they're usually as babies, not adults]! LET'S SURVIVE AND GO BACK TO TIMES LIKE THIS." It's a trick that DNA plays on the conscious brain to try one more time to move the needle.
Does that help you understand?