>> Of course, some people didn’t hear the gospel last century either. What about them? Do they get a magic pass and no judgement? <<
No. That’s why Christians are obliged to spread the gospel: to spare the world from Hell.
>> Why do only all of the “last” generation have to hear the gospel? <<
The rest of your questions seem to proceed from a false presumption that those who have not heard the gospel are spared from judgment.
What happens to people who never heard the gospel?