Seeking Wisdom

Hello, out there.  I have a few ponders I just wanted to word out to whomever actually reads my blog.  If you feel you have specific advice on this subject, please feel free to offer a bit of it.  Thanks.
How come it is that you never really understand and value a person until they are gone.  Gone from existence and you aren't able to just pick up the phone and say, "hello, I have a problem" or just to ask their advice on something?  Why is it that we always wait until the last minute to tell someone how we feel about them and most of the time it's too late?  What is it that makes us so afraid to speak our feelings and thoughts aloud to our loved ones and friends??? 
And if, by some seldom chance, you aren't able to speak your thoughts and feelings in the right time, you feel so awful that you question everything that's happened in the past that did not allow you to speak up.  You just sit there like a knot on a log and ponder what it was that kept you from taking charge.
I wouldn't go straight to calling people a coward, but sometimes that's what it looks like.  You always think to yourself that there is always tomorrow, but you never think that no one is guarteed tomorrow.  How come that kind of thinking isn't ingrained into us as children, young adults, older adults, etc? 
Then, for us who have waited too long, how do we face our doubts and the wondering that's bond to occur?  We find ourselves thinking that it would have been better to say what we were thinking and feeling and darn the consequences than to be stuck with this tremendous amount of quilt over not speaking up soon enough. 
Are there any answers to these questions?  Am I just wasting my time with speaking out loud my thoughts and feelings about regrets?  How many people can actually say, "they don't have regrets?"  NO one is my guess.  [But] I'm sure someone out there will try.  If so, how were you able to live life without regrets and actually be normal?  And if not, how do we get over them and go on about our lives as if nothing has happened?  I don't think you can.  It will always been there and sitting in the back corners of our minds.
Impossiblie questions with no answers.  My speciality.  Thank You to whomever reads my blog.