Imagine that you are a happy leg, the last leg on one side of a giant centipede, happily floating in space. You are just a little leg, that is all … but you are aware of your existence. Despite the fact that you are just a leg, you insist that you exist, separate from the consciousness of the centipede that is driving you (and your fellow legs). Now imagine giving your existence to the whole of the centipede — your small existence as a tiny leg is no longer as desirable as being part of the centipede, because it truly feels GOOD and GREATER … and now you have a say in where we are heading.
I hope I am not being presumptuous by attempting to answer your questions, but the way I see it is that the point in the heart is the beginning of the formation of our soul and no, not everyone has it. Therefore, those that have not developed the point in the hearts do indeed continue along the Path of Suffering. We may not perceive the problems that afflict us but we will feel their consequences. When you correct your intentions you are better able to perceive these problems.