Bingo.
The “rich young man,” not “the rich fool,” although they both were foolish. “You fool, this night your soul will be required of you, and the things you have, whose will they be?”
Not that leaving your wealth to charity when you die is a bad thing, but it’s not Christian love. God could provide for everyone’s needs; charity is as much about our being willing to give, to the point that it affects us, as it is about the needs of the recipients.