Jesus said “I have sheep not of this fold.” He also tells us that the law of God is written on our hearts, and we are all therefore accountable. Therefore couldn't it be assumed that those who have never had the opportunity to hear the gospels, but who have sought to keep His laws to the best of their ability, and tried to live Godly lives, will be judged by God as acceptable to Him, and also saved by Calvary -- acceptable not by their righteousness, but by the state of their Godly hearts, because none of us can can save ourselves by works. So Christ can save them too, because He has paid the price of their salvation. His sheep of those folds, had they had the opportunity to hear the gospels would have believed. The state of their hearts and the course of their lives prove it. Because true belief, means a changed and Godly life! (Although alas still prone to stumbling, unredeemed but saved men and women still have a sin nature, which is why we must be saved by grace.)
Remember too that God would not bring Sodom and Gomorrah to judgment until Lot, who was a righteous man had left. Remember also how Abraham argued with God, to try save these cities? These men and women of Sodom and Gomorrah had not heard the gospels, yet had they been following God's laws written in their hearts, they would not have been destroyed. Remember how God called David, who was sometimes a disgraceful sinner, a "man after His own heart" because his heart was right with God even though he sinned? David had not heard the gospels, they weren't written yet, but he had the promise of salvation and he was saved, and it is through the line of David that Christ was born.
Remember also the Bible teaches the “Whole of Israel” shall be saved, and also that the Jews are “partially blinded for our sakes.” So how can you reconcile these two statements if all who have never had the opportunity to hear the gospels (or in the Jews’ case partially blinded by God) are doomed? Remember also, starting with Abel, the animal sacrifices looked forward to the cross, and acted as substitute to save the repentant sinner?
But, if you hear the gospel and reject it (as Joseph Smith did) you will most surely not be saved, in fact you will be burn in Hell! And those who have heard the gospel and accept it are blessed, those who reject are doomed.
That's what the NT teaches. Man is sinful and deserving of eternal damnation. Jesus's sacrifice was a gift to the few who would accept it. That's the only way to escape hell. It's right there in your Bible:
Revelation 21:8 But the fearful, and unbelieving, and the abominable, and murderers, and whoremongers, and sorcerers, and idolaters, and all liars, shall have their part in the lake which burneth with fire and brimstone: which is the second death.
But, if you hear the gospel and reject it (as Joseph Smith did) you will most surely not be saved, in fact you will be burn in Hell!
Matt. 19 20The young man saith unto him, All these things have I kept from my youth up: what lack I yet?
21Jesus said unto him, If thou wilt be perfect, go and sell that thou hast, and give to the poor, and thou shalt have treasure in heaven: and come and follow me.
22But when the young man heard that saying, he went away sorrowful: for he had great possessions.
23Then said Jesus unto his disciples, Verily I say unto you, That a rich man shall hardly enter into the kingdom of heaven.
24And again I say unto you, It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God.
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Out of curiosity, how did you go about selling your worldly possessions and giving it all to the poor? Did you auction it off? Did you have to consult an attorney to help with the paper work? How much in taxes did you pay when you cashed in your IRAs and 401Ks? What do you find to be the most difficult thing about being poor?