Why doesn't anybody know about the Law of One?

[Sacred Fool]

For instance, I read in one post that "harvest" involves the physical death of the individual. Is that always the case?

Here's how I understand this.  At the end of every space/time incarnation each entity in any density undergoes some degree of review of the biases gained during the incarnation.  During this period, inner planes healing may be needed or not.  Following the look backwards at the previous incarnation, with one's guides and helpers, one looks forward to decide the sorts of lessons and challenges and biases one would like to explore in the next incarnation in order to experience more spiritual growth.

Now it's possible that an entity is such an outstanding high achiever that it makes sense to go on to learn lessons beyond the present density.  Sometimes these folks become what we would call inner planes masters.  Various of the L/L Research channeling sessions have contacted such as these.  But that's a rare thing.  Usually we just travel along in the same density until the time of harvest.

During what they call harvest, after death there is the same review, but each is offered the individual opportunity to see if they are ready for work in the next density.  If yes, then off you go.  If no, then you just continue along as you had been, more or less.

So, according to this view, yes, to be offered opportunity for harvest, this occurs in a non-physical, post mortem state.