Why is it that people are only willing to help when its already too late?

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There are actually lots of things that come into my mind whenever im in bed trying to go to sleep. I think its just one of those times when people try to think about what conspired during the day and other things that do not even concern me.hehe.. One of those things that came into my mind is that, why is it that people are only willing to help others when its already too late to do so. Like when someone asks for financial assistance or wants to borrow money for a medical treatment but no one seems to care to lend him some money for his treatment. But when the person dies because he was not able to get proper medical treatment, people/friends would just come in his funeral and give some monetary donations for the family he left behind. Why is that so? How can he use the money when he's already dead? Its actually just one thought that came in my mind. Its quite weird that lots of things just come on my mind when it does not even concern me. Maybe I just think too much. Anyways, I would just like to hear what you say about this situation which i think is quite common in life. Thanks guys..