Are you saying some of the saved are unforgiven? Some of the unforgiven are saved?
The saved do not have their sins counted against them.
They have been declared judicially pardoned.
Now, EVERY believer is going to have some sin in their lives that it going to need to be accounted for.
NOBODY is perfect and there is no way that anyone can reach the level of perfection that God requires.
So everyone is going to have something they haven’t forgiven someone for. Or something they haven’t asked for forgiveness for.
So if you make salvation dependent on that, rather than faith in Jesus, then no, nobody is going to make it to heaven.
Besides, people often deal with forgiving others after they get saved, when they have the Spirit granted ability to do hat.
By requiring us to forgive before we get saved, you are asking an unsaved person to do something that they most likely are not capable of doing in the first place.
You might as well ask a baby to climb Mt Everest.
Refusal of forgiveness is a sin, just like any other sin.
It can be forgiven, just like any other sin.
But if indulged, just like any other sin, it can lead to the loss of faith, searing the conscience, and death.
There is a difference between a thorn in the flesh and willful, intentional sin. A man with a vindictive nature who realizes that it is sin and fights against it while praying for forgiveness is saved, even if at the moment of death he is fighting that sin.
A man who refuses to forgive, even when confronted with the Law and the very Word of God is probably no believer at all.
This is one of the verses that you have to look at in light of the rest of Scripture to grasp the meaning.