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Question: Why didn't God create us already perfect? Why do we have to go through this high-risk rigmarole of incarnate mortal life?
Answer: Because God could not create us perfect. This high-risk rigmarole is the only way to achieve what God hopes we may become. Success in this cannot be guaranteed - and there exists no possible easy short-cut or by-pass or transportation that can take us to where God wants us to go. We have to take the hard way: through the forest and up the mountain; because it is only by taking the hard way that we might learn what we need to learn.
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