There are no do-overs....
Ecclesiastes 9 :5-6
5 For the living know that they shall die: but the dead know not any thing, neither have they any more a reward; for the memory of them is forgotten.
6 Also their love, and their hatred, and their envy, is now perished; neither have they any more a portion for ever in any thing that is done under the sun.
Fits right in with Hebrews 9:27 something about it is appointed to everyone ,once to die and then the judgement.
IMO only prayers for the dead was a doctrine dreamed up by someone who didn’t know how to answer the grieving-and offered it as some solace.But I could be wrong.