When we formulate a hypothesis about an action or situation in the
present, we think the condition will not be fulfilled either because:
the condition is contrary to known facts:
If Jeremy had some money, he would go to the cinema.(Jeremy has not got any money, so he can´t go to the cinema.)
"If James studied hard, he would pass his final examinations." (James is a bad student. He has never got good marks. He does not study very often etc. After taking all these facts into consideration, the speaker thinks James will not study hard and he decides to use a hypothetical if-clause.)
We know the speaker thinks the condition will not be fulfilled because he uses the simple past
in the if-clause even though he is speaking about the present or the future.
OTHER FORMS are possible
in HYPOTHETICAL CONDITIONS:
If he were not so busy, he might come with us. (He is very busy. If he were not so busy, perhaps he would come with us.)