What is the teaching of the Fathers and the Doctors? Some Fathers deny that there is any case in which a man could be saved without the actual reception of the water of baptism (with the exception of the martyrs alone). But most of them agree in saying that there is one case, and only one case, when a man could be saved without having been actually baptized with water. It is the case of a catechumen who confesses the Catholic Faith, who is sorry for his past sins, who is burning with desire to be baptized and to join the Catholic Church, under the authority of the Roman Pontiff, but who, having been kept without baptism by the Church until he has been fully instructed, is overtaken by death suddenly and is incapable of receiving baptism. Such a catechumen, it is believed, can be saved, if he makes an act of perfect charity.
See, this is where the idea fails for me because such a person would never die without the sacrament that God made a requirement for salvation. Because God made it a requirement, He is duty bound to provide it to all whom He intends to save, it's just that simple. Who will accuse God of being awol or shirking His duty at such a critical moment when the eternity of a sincere soul desiring to receive the sacrament is at stake?
When reading such things, does anyone ever realize that the above scenario itself is purely hypothetical with the most disastrous ending possible? The only reason for the scenario is in order to avoid that type of ending and have a happy ending via a BOD. This is the only way this impossible scenario should be understood.
Whereas were it an actual situation, reception of the sacrament before death is an absolute certainty - but in order to believe this means you must have faith primarily in Divine Providence. Which is to say that in order to believe or even to give any credence at all to the quoted scenario is to either lack faith in Divine Providence, or have none.
There are only two possible outcomes regardless of the circuмstances:
1) God will provide the sacrament and he would be saved.
2) God will not provide the sacrament and he would not be saved.