The biggest critique of NDEs is that people see entities from their cultural/religious beliefs. Christians see Christ, and Hindus see Hindu gods. What does this mean?

>NDEs are very detailed hallucinations of an oxygen-deprived brain
>Perennialism, or the idea that there is some truth in all religions, is true
>God or an angel who is your guide in death takes on a form that is most comforting to you

Which do you think it is? Or is there another explanation?