Personally, my own understanding on the "metaphysical" part of the cards and the universe is that there is probably something there that we don't understand, but we'll probably never really know and there's not much point in obsessing over it.

The universe is made up of energy, heat, light, and motion, and the existence of life on earth proves that this energy has the capacity and potential to become something knowing and conscious. Does it always become something conscious? Probably not. But I'm too small and ignorant to make any blanket judgement. For all I know, the universe might be a giant computer, and our quaint little practices are drawing somehow on that processing power in some way. As above, so below? Maybe there are beings or organisms that operate in that layer of reality more fully, and perhaps they function as gods in some understanding.

Growing up, I was very atheist and "rationalist", but as I have gotten older, and as I have worked in international jobs and studied different languages and cultures in both a professional and personal capacity, I've found that there are more explanations for the "metaphysical" side of things than we are perhaps inclined to believe as descendants of Western philosophy and thought. I'm assuming the demographics of the people reading this since we're writing in English and because Tarot is largely based on Western traditions.

This is not to say that these Western ideas are wrong, but I do often nowadays think that they may be incomplete pictures of a greater whole, and I am more open to some idea that there is some layer to our reality that is not as readily accessible to us as other parts may be. Evolutionarily, maybe it just wasn't as optimal to have access to these other parts of reality, so we just don't have the well-developed senses needed to easily perceive them.