Clarifying, for those interested in what the Church says:
I’m too lazy to find the most recent link about this, probably from an EWTN or CAL program, but the summary of it is this:
The Church never states definitively who is and is not going to Hell. To presume so, would be to have omniscience, which would be a heresy, since only God is omniscient. That is, despite what any of us sinners do or say IRL, out loud, no one except God Himself knows what will be happening, or has happened, while we sinners are actually in the process of dying. Maybe a believer (practicing Catholic) who has developed a habit of sin and been away from Confession, just made a perfect Act of Contrition, despite not being given Last Rites, Viaticum, etc.
Maybe a person from another faith who is not invincibly ignorant has embraced God at the moment of death. (The Church wouldn’t know that either, and the Church has acknowledged that.)
Maybe someone who behaved contemptuously toward Christians and all things religious has his hardened heart softened by God at the moment of death, with no outwad sign of that from the dying person.
Here, however, is what the Church does say about a knowingly wayward life, in or out of organized religion:
It is high-risk behavior. Do not count on last-minute opportunities to repent; we always hope there are, for all of us, and maybe they are there, universally, but we don’t know that. The more disposed we are toward God, in action, thought, & word, while alive and conscious (or, the more moral our behavior, in the case of someone who is invincibly ignorant) the more we are protecting ourselves in the event of a sudden death.
The Church does not go further than that. She talks about all the factors that make eternal separation probable, and all the factors that make union with God likely. And she comes down on the “likely” side as being the prudent choice, because not to do would be negligent on her part.
Lots of mystics have had convincing visions of Hell, with particular people living in that dimension, from the fruit of unrepented evil actions. I never assume that Hell does not exist. And all Catholics would be wise not to assume that.
