Shloime is in a room and the money is FLYING! Literally! All he has to do is catch it. Hundred dollar bills everywhere. WOOOOOW!
His phone rings. He stops to answer and stats chatting. If I were in the room I would scream "SHOTEH!! GRAB THE MONEY NOW AND TALK LATER". This is a time to talk??
A Jew is learning. His phone rings. Every second of learning is PRICELESS. But he answers.
After a hundred and twenty he meets his Maker. What is his reward. Ifffffffff he would have learned properly [say with gemara niggun] he gets the BEST POSSIBLE reward. "But", Hashem says, "your phone is more valuable to you than my Torah. So here is your reward. A phone."
But no one to call.