"Live as if today were your last" has the force of an alarm. Say what matters. Stop deferring the person, place, or work that might never receive another chance. Used occasionally, the question can expose a postponement that has hidden behind endless tomorrows.
Used as a daily rule, it dismantles much of a life. A last day has little reason to begin a ten-year practice, preserve resources for old age, repair an institution, or do patient work whose beneficiaries we may never meet. Parenting, care, craft, and public life all depend on acting as though a future is possible.
The final-day perspective also favors dramatic authenticity. True living begins to look intense, fearless, and decisive. Yet a life may change because someone declines one false obligation, listens to an ordinary conversation, or returns to a practice nobody applauds. Maintenance and repetition are not what remains after real life; they are how real life obtains a place.
There is a deeper fiction in the advice. If we knew this was the last day, our information would be radically different. Ordinary choices are reasonable precisely because we do not know that. Importing certainty of death into every morning and judging the morning by it asks life to operate under a false premise.
A better pair of questions may be: If this receives no later chance, will I regret never giving it a place? And if many days continue like this, what kind of life will they form? The first interrupts infinite delay. The second protects commitments that need time.
Reality sometimes leaves people little room to change, and accusing them of cowardice because they cannot suddenly leave, travel, confess, or begin again is cruel. The last-day question may knock on the door; it should not run the household. Today is both unrepeatable and possibly followed by tomorrow. It deserves to be lived, and the future deserves not to be robbed.