At the end of our lives, when we die, we are judged by Jesus in the particluar judgment. I see many people who aren't very cognitive at the end of their lives. The may have dementia, be suffering from brain cancer, or they may be topped out on narcotics to relieve the pain from cancer. Either way their mental abilities are in these cases impaired.
Do you think, at that last moment, when they are about to face the judgment seat of God and the devil is trying to tempt them into hell, that God restores their cognitive functions so that they can better protect themselves and prepare their souls for their eternal destination?