I understand the wood, hay and stubble to be fleshly works that will burn up and garner no reward.
Those with a foundation are better able to produce fruit through Spirit-directed works.
Without a foundation, those are able to produce some fruit by following their God-given conscience.
I envision everyone being judged the same way. Fire to test the works.
Obviously the Elect are a special group. (each in turn)
Nations, leaders (both government and religious), and individuals will be judged one at a time.
The end goal is for the healing of the nations and restoration between all peoples.
For me, the cleansing fire as mentioned by such as the apostle Peter, is not literal fire. I believe a literal fire such as its believed by Catholics regarding purgatory and ultimately hell for the really bad guys, is an extremely poor conception of the character of God, and a poor understanding of scripture.
“That the trial of your faith, being much more precious than of gold that perisheth, though it be tried with fire, might be found unto praise and honour and glory at the appearing of Jesus Christ: ”
1 Peter 1:7 KJV
Unfeigned Bible
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Notice that the trial above takes place while the person is living, and prior to the second coming. The fire in this context is metaphor for the trials and tribulations we all meet in every day living as a disciple of Christ, and all are potentially character building depending on our responses.
It is during this life when we must improve character through submission to the Holy Spirit, allowing God's cleansing power to overcome sin..
No-one will improve character or choose to build a better moral foundation as a response to pain. God wants us to choose to love Him. He does not want our fidelity out of fear or pain and suffering.