Can someone die by accident before God has accomplished what he has preordained?
No. Can and does God save people using His pre-ordained extraordinary means as well as His pre-ordained ordinary means? Yes.
We are bound by His laws. He isn't.
the problem is today that there are scarcely any believers in BOD and BOB that restrict their belief to just baptism of blood and baptism of desire of the catechumen, ALL of them believe in all the other offshoots to different levels, offshoots like implicit desire of those that don't even want to be Catholics or baptized, implicit faith, invincible ignorance, an invisible church that includes non-Catholic "good" people, and universal salvation for all. THAT IS THE PROBLEM, that seed brought us the false ecuмenism of Assisi, and Vatican II, what Catholics believe today, that basically outside of the church there IS salvation. That's the root cause of why we are in the predicament that we are in.
Almost true, but not quite.
Catechumens are not the only ones who may desire to enter the Church. St. Thomas says that somebody raised in the woods who has good will would be sent an angel or a preacher to enlighten him. Such a man would not be a catechumen, in the case of an angel sent to him at any rate, yet if he corresponded with the grace of enlightenment he would desire baptism.
Implicit faith and invincible ignorance are real things which play a real part in the lives of many men. There's nothing liberal about those concepts at all. They are abused by liberals, of course, but there's nothing less Catholic than throwing the baby out with the bath water. That's what Luther did, after all.
an invisible church that includes non-Catholic "good" people, and universal salvation."
Yes, and unfortunately Fr. Feeney's campaign served partly to obscure the issues and made it harder for orthodox theologians to clarify matters. I'm sure he meant well - he was certainly arguing against real heresy.