If individuals have many lessons and debts, Agents guide them to choose a few complimentary lessons. Lumping together contradictory lessons, such as freedom & independence with commitment & responsibility, can make all lessons more difficult to master, though it is possible.
There are several reasons one is tempted to "load lessons" onto one paraself, such as believing that paraselves in magical, high-tech, or affluent parallels have the resources to carry more burdens. Others think that they can "sacrifice" a few paraselves so that the rest enjoy a good life.
If one paraself bears too great a load, it often backfires. Unlearned lessons are reassigned to subsequent lives. Due to being too emotionally over-extended to create healthy new situations and relationships, karmic debts accumulate. One can walk away from a hard life with little gained except for the lesson of not biting off more than you can chew.
The more responsible one is, the more freedom they retain in choosing their destiny, rather than be besieged with the allocation of undesirable lessons throughout many lifetimes. If one's evolutionary development is progressing smoothly, then electing not to consult with an Agent is perfectly acceptable. People are encouraged to pave their own way under the right circumstances, especially since independently choosing lessons for a life-path contract is the protocol for higher tiers of evolution.
OI Agents are especially beneficial for first-time human incarnates originating from animals, plants, or aliens, though new alien incarnates are currently non-existent in this millennia since most aliens are already well integrated, having died on Earth thousands of years ago. Those with no experience in drafting a life-path contract can be overly ambitious, quickly overwhelmed by their burdens, and lose optimism and faith in life.
Alternatively, some mastered the fine art of choosing life-path contracts with an intuitive understanding of the lessons and debts that naturally complement each other. When one has few mandatory karmic assignments, "free jams" are awarded, allowing the paraself to choose new lessons as they unfold in real-time. Free jams allow for more spontaneity, less structure, and a sense of adventure for all life has to offer.