John Calvin on Matthew 25:8

8. And the foolish said to the wise. This is a reproof of the late repentance of those who never think of what they are in want of, till the door is shut against every remedy. For those who do not make provision for a long period are charged with folly, because they are careless, and flatter themselves amidst their poverty, and allow the season of mutual intercourse to pass in such a way as to despise the aids which were offered to them. As they do not, in proper time, bethink themselves about procuring oil, Christ, mocking the knowledge which they have acquired when it is too late, shows how their stupidity will be punished, when they shall see themselves to be empty and unprovided, while there is no remedy.