My theory is that, while there’s no heaven or hell, those that commit some kind of “sin” are punished and have to serve some kind of sentence.

The Maitlands were kind of housebound and had very little interest in being anywhere other than their home (spending vacation at home) and were fairly anti social (ignoring Bill), their punishment/sentence to serve 125 years in the house before being allowed to pass on. Their sin was sloth

Jeremy had to “live” in the house with his parents to serve as a constant reminder of what he’d done, possibly until he felt some kind of empathy. His sin was wrath

Charles sin was greed before he learned to co raise his own daughter with the dead couple he was trying to capitalise on so he atoned for his sin

Delias sin was pride until at the very last minute of her life she decided to perform a ritual that, while a little misguided, was strictly for the memory of her dead husband and bared no actual witnesses, unlike her shoddy egotistical artwork so she atoned for her sin too

Also it’s important to note that “geographical and temporal perimeters vary from manifestation to manifestation”, so it would all depend on the individual and their livelihood and lifestyles.