If someone is baptized and they are in a state of mortal sin, then they need to see a priest to get their sins absolved.
If someone is unbaptized but believe in Christ all they need to do is get baptized, and anyone is capable of baptizing anyone.
Thus, this leads me to my confusing conclusion: why is it better to be baptized if only a priest can save you? If you are dying in a state of mortal sin (and a priest can’t come in time) then it would seem that you would be going to Hell. On the other hand, if the same person was unbaptized then all they would need to do is ask someone to baptize them in the name of the Father and the Son and the Holy Spirit.
Please help me clear up my confusion!
First, if one is dying in the absence of a priest, one makes an act of perfect contrition and trusts in the Lord and His mercy. It is the Lord who saves. If one cannot receive from a priest the apostolic pardon at the hour of death, one invokes the name of Jesus to receive the same plenary indulgence, which comes from the treasure to which the Church has access.
The Lord has not bound Himself to only give grace through the sacraments. He can give it otherwise – and does.
The sacraments were instituted by Christ to help our human nature to perceive the communication of grace through sacramental signs. The Lord Jesus at times used touch and gestures and other actions to communicate healing in the Gospels, acting through means perceptible to the senses. At other times, He did so simply by His Divine Power, through an act of the will with no external expression. And so it remains.
As to the issue you raise in the first half of your post, this is an issue the Church confronted in its youth and an attitude that has continued in various manifestations, unfortunately. It is not a proper response.
In the era of Constantine, for example, there was a behaviour pattern among some to defer baptism until end of life so that one arrived at the threshold of eternity freshly baptised and with a goal to be free from sin…original and actual.
This is to over-focus on sin. Life is more than sin and its avoidance. Life in Christ is also oneness with Him…thanks to baptism. It is about growth in holiness, about growth in the infused virtues – theological and moral – and of life with the indwelling Trinity…thanks to baptism. It is about living with the fruits and gifts of the Holy Spirit, which we possess thanks to baptism. It is about incorporation into the Mystical Body of Christ and sharing in the triple
munera of Christ – as Priest, .Prophet and King – which are to be lived out and expressed in one’s daily life…thanks to baptism. It is about a Spirit led life, the Spirit descending upon the soul at baptism. It is about growth in holiness and in sanctifying grace, which is infused at baptism.
One’s participation in the liturgy is linked to being baptised – for, thereby, one is made a participant in Christ’s priesthood – offering prayer and sacrifice to the Lord.
These are the aspects of the Christian life meant to be lived and realised in the decades between baptism and death.
Your approach denies you of the years of living the sacramental life: Of being enriched by Confirmation to better live your life. Of being one with the Lord sacramentally in the Eucharist, even daily. Of being one with the liturgical assembly across the seasons of your life in its offering of the liturgy of the Church to the Father through Christ in the Spirit.
For most people, their very vocation in life is tied to the sacraments…of marriage or of Holy Order or of consecrated life, which is a radical living of the baptismal consecration.
What you propose would be to consciously choose to live ontologically apart from Christ until one’s last moments. That is to deny the real purpose of the life to which one had been called.
These are but the broadest outlines of why the Church rejects the concept you propose of how the Christian life is to be lived.
Such a mindset is also to make fear of sin the driving force of one’s life. The driving force of life is love of God and love of the neighbor for the sake of God…for in the neighbor, and above all if s/he be of the least, we find Christ.
It is, above and beyond all of that, to frankly make a warped and distorted concept of sacraments and sacramental life.