[No golden finger + no pocket dimension + memories of a past life + born and raised here]
After Shui Yao drowned, her soul wandered aimlessly through the world.
Her eldest child fell off a cliff in the mountains and died. Her second child fell from a tree and was paralyzed from the waist down. Her third child was poisoned after eating too much. Her fourth was kidnapped and had his legs broken, leaving him a beggar for life.
When Qin Zheng returned after the war, he found that his parents, wife, eldest son, and third son had all died. His second son was paralyzed, and his sensitive, irritable nature had turned Qin Zheng's hair white overnight.
Later, while searching for his fourth child, Qin Zheng died in an accident.
But Shui Yao was lucky. The King of Hell saw her wandering the mortal world, unwilling to be reborn, and gave her a chance to start over.