Zebra and the holographic world are both made up of some kind of thinking electricity that can shape shift into anything. Who or what is responsible for this reality? Is it the physical noosphere or is it in our mind? Dick leans toward something physical like Brahman. Another layer exists beyond 70 A.D. which Dick calls the abyss.
Dick decides he is a time-traveler from 70 A.D. called Thomas and the PKD personality is just a mask. He thinks that Ubik the entity must have guided him to write Ubik the novel because where else would he have gotten the idea. It came about through a form of automatic writing. This makes that book a scripture of sorts along with A Maze of Death and Flow my Tears.
In a hypnagogic state the spirit speaks to him and says they are “responsible for low-level decisions which can be overruled.” He assumes “they” refers to God. This means man’s relationship to reality is flipped. We become the objects in a living world. Dick sees this as a truly radical new understanding as it reveals God and reorganizes man’s place in the cosmic hierarchy.
At Dick’s greatest point of desperation the being behind the veil let Dick see beyond it. His novels were a way to prepare him for his 3-74 experience and now he feels free. He ends this section by cryptically saying what comes next has something to do with Mexico.