This is where I "Know" well I would say I that you are wrong,.
Can I say this personally ? Yes..
Small story here..
I was really sick once, near death. and she my grim reaper came to me, a dark female figure all in black no face to be seen, stood at my hospital bed and said not yet.
Your time has not yet come, you will see me again.
This is a true story and this has been with me in my head for the last 16 years. I also have met people that has met their own reaper or spirit guide that has came to lead them to the next world.