So in end times are people judged without knowledge whilst living ??

Put down the Bible and pick up a Catechism or two. Or talk to a traditional Catholic priest. You seem to be suffering under protestant errors and delusions still.
Seriously, you have a ways to go before you become a well informed Catholic, with a solid "Catholic Sense". And you're NOT on the right path to getting there. You're acting like Scripture is everything, like it's sufficient by itself to attain to all wisdom and truth. IT IS NOT. It is extremely confusing and you seriously need an infallible guide if you hope to get anything beneficial or practical out of Scripture.