You don't need to go through a NDE. Try going hiking on the mountains. You'll come back with a better attitude about life and your usual problems will look meaningless. I used to go at least once a year. Need to get back on it.
True, it doesn’t always take a NDE, but I think it does require a certain amount of hardship and/or trauma. People need to be pushed into a corner to find out who they really are. They need to be truly alone, and often not by choice.
My parents go most every weekend. They're still stress prone.