I think it would not be when we die but how we leave this world. Will it be painful? Does it need to be an illness? Are we going to see who reject us or left us alone at our death bed? I think it is the loneliness and helplessness that makes death a fearful moment. Although our grave is just for us alone, I do not like the loneliness. And maybe that is how we leave the world. We give up and let our spirit go. God knows best.