This fear is not due to the two reasons previously mentioned...
This fear is not due to the two reasons previously mentioned but because they have not made available for themselves the tools and things necessary for this journey of theirs, while, on the contrary they have been paying more-than-necessary importance to their present lives; like a person who knows that he would have to spend the rest of his life in another country, but has not collected any money for his journey.
Instead, all that he has gathered is in the form of house, shop, land or other things which, presently, are neither capable of being changed, nor transferred. In other words, he has strived and worked and collected a capital, but the capital is such that it cannot be transferred and there is also nobody who will buy it. In short, it is not useful in any way for the objective, which he had in mind.
Someone asked Imam Hassan (pbuh): "Why are we reluctant to die, why don't we like death?" "Because", replied Imam Hassan (pbuh), "You ruined your next world and developed thisone; naturally, you do not like to be transferred from flourishing to decline." This kind of fear of death, which results from the lack of preparedness and the absence of the provisions of the journey usually occurs with the believers, which in reality is not fear of death but instead, fear of not possessing the sufficient provisions necessary for this journey.
Another point is that such a fear is usually mixed with eagerness. Because, on the one hand, a believer is eager for the Divine meeting and also for the companionship of the Righteous people. On the other hand, due to lack of sufficient piety and the necessary provisions, finds himself in a state of anxiety and fear, whereas the unbelievers do not possess such a fear and eagerness. They fear the actual death, because they consider it to be a complete annihilation.
Of course, it could be said that the fear of the unbelievers could have a universal meaning, and the causes of it could be those mentioned and also those not mentioned. Nevertheless, death or transfer into another world is a universal law, acceptance of which or fear of which shall create no change in the law itself, and finally sooner or later, everyone shall taste the nectar or the poison of death.
That, which is more important than death, is the preparation for it, and God willingly (Insha Allah); Almighty God shall bestow such a success upon us as in the next story. The Clever King!