"wish" / "if only"

We can use "wish" and "if only" to express an unlikely or impossible desire or a
regret:

 with the past simple to express an impossible desire in the present:

o "I wish I lived in the countryside."
o "If only I lived in the countryside."
I don’t live in the countryside in the present so this desire is
impossible.

 with the past perfect to express a regret about the past:

o "I wish I hadn't eaten the prawns."
o "If only I hadn't eaten the prawns."
I regret that I ate the prawns in the past.

 with would/could to express a desire that we believe is unlikely or

impossible in the present:
o "I wish he would save money."
o "I wish he could save money."
o "If only he would save money."
o "If only he could save money."
not "I wish he will/can save money."
I do not believe that he can/will save money, so this is an impossible
desire about his ability in the present to save money.