This verse is a warning to the unbeliever about failing to see the obvious and the inevitable. If the clouds are full of rain and the sky is black, then anyone can see it is about to rain and that the clouds will soon empty themselves on the earth.
There is a God in heaven yet we live as if the world made itself and we owe no thanks to him or acknowledgment of his existence, yet he has given us all that we have. We live as if we are going to be here forever, yet life is short and all who have ever lived before us have passed from this earth and have had to face death. Our conscience warns us that there is a consequence to sin, yet we persist in doing what we please as if we will never have to give account. How can we expect to avoid disaster when we ignore such obvious features of life? The man who goes out without a coat when it is about to rain will get soaked, and the man who comes to the end of life without a Saviour will be eternally condemned. If he dies without faith and without forgiveness, then that is how he will remain for all eternity. There is no second chance, no reincarnation, no return to this world from the grave, no opportunity to seek the Lord again. Therefore seek the Lord while he may be found, call upon him while he is near. No one can say to God, ‘Send me back, I will try harder next time now I know what is at stake.’ You do already know what is at stake; you simply choose not to take it seriously, not to act it out. That is the disastrous policy of your life. All these are arguments for urgent repentance.
There are things in life, Solomon says, which are certain and which are final and cannot be reversed. These are the things which we should take account of and plan our lives around; these are the big things, the great landmarks of our lives. In spiritual matters we are dealing with absolute certainties and events which if they fall out badly have eternal catastrophic consequences. Those are the kinds of matters in life which you should worry about and be very concerned about.