Perhaps this is what Pascal meant when he said we should always live as if we have eight hours left to live. For if we die suddenly in a state of sin, we are lost.
How does it seem to you that God is fair when he takes someone in a state of sin, say someone who is caught in a fire and cannot repent, then takes another person who lived to old age and has a lengthy period of time on his deathbed to confess and repent his sins?
As Cone put it above, how is that fair to the person who dies suddenly and without opportunity to repent.
I’m going to start with a harsh sounding answer that I do not believe to be the whole picture, but that I do believe to be an important enough part of it to justify saying by itself:
I’m not sure I can actually see a reason why
it wouldn’t be fair. None of us deserve the opportunity to repent. If we have it, it is a pure gift. It would be fair to offer it to no one, or to offer it only to a small set of people. None of have any claims on God, so we cannot say that we all deserve an opportunity to repent, or even that we all deserve to have the same opportunity to repent, since what we all deserves is 0.
Now, as it turns out, ignoring for the moment “death right after sin” cases, God offers not only the opportunity, but also the ability to repent to all of us, despite the fact that we in no way deserve it. The fact that He is much more merciful and generous than is required in this way hints that He may be so even in the extreme cases.
So for the question of people who die right after sin - it would not seem out of character for God to offer some time to repent. I would not be surprised if, for example, at the moment of our deaths (or rather, immediately before), God showed us in a flash the evilness of what we have done and offers us a chance to repent. I do not know that this happens. I cannot rightly say that I even particularly strongly suspect that it does. But something like that
could happen.
Likewise, God can control absolutely any aspect of how the universe is operating at any moment, so He could arrange things so that those who would repent have an opportunity to do so, either in a flash or over time. Again, I cannot know this, and I have no strong reason to suspect this, but it is a possibility.
So what we know is that we are not owed anything at all, but that God has a habit of giving us more than we are owed (ie giving us anything at all), that it would be possible for God to give us all opportunities to repent, and that God is perfectly good, just, and merciful. Add all of this together, and the result that we can know that God will do what is best, and it seems like this may make some sort of final chance plausible, but also that we have no reason to be certain that it happens (because our knowledge of what is best is in no way complete), and every reason to be careful, considering the stakes.
Which makes Pascal’s advice rather good, I think.