What about the grandfather, who accepts Christ on his death bed? What about the Muslim in a war torn country who believes and then rushes out to spread the word, not having a church or baptismal to be baptised in? What about the child hooked up to machines in the hospital who finally understands the wonder and gift of Jesus, but cannot be moved? What about those who live where every drop of water is precious, for drinking, for living? What about the Christians living in a country where being Christian is illegal, and just holding a small bible study is risky enough, let alone having a Baptism service....which takes organization and a Baptismal?
What about them? They are in God's hands, it is His decision to make, not yours or mine. However, you and I do have the opportunity to be baptized as do the "VAST" majority of those who believe. You asked about those where Christianity is illegal. It was illegal for much of the first 300 years of Christianity, yet those Christians were baptized, they didn't try to avoid baptism to save their lives, if need be they died but they were baptised.
See, here's the thing. You say salvation cannot come by faith alone, it must come with both belief and Baptism. But when you make that claim you automatically dismiss the thousands of people who cannot and do not have the opportunity to be Baptised. You cannot say "Oh, I'm sure they are the exceptions" because you are making an absolute statement. Only God can make the distinction and claim of who is His and who is not, you have no way of knowing if a person has the Holy Spirit and redemption. I do not doubt that the Bible teaches that Baptism is a good thing for a Christian to do, and I have been Baptised. But the Bible does NOT teach that it is needed for Salvation....the only thing that is needed for that, is faith in Jesus, and His work on the cross.
Well, you've flatly contradicted the Scriptures. Jesus HImself said, he who believes and is baptized shall be saved. Peter said, the like figure where unto baptism does now save us. Paul said, Buried with Him in Baptism..., if we have been planted together into the likeness of His death we shall be of the rising again.
You can claim what you want about what the Bible teaches, however, anyone who reads the Scriptures without any preconceived bias can clearly see that Baptism is necessary, as is faith, as is repentance, and as is obedience.