I didn't make the rules, or write the Bible. You'll have to take that up with God.
one of the rules is the person must be alive to receive a judgment .
Well, I would say you have to believe God is who He says He is, and scripture to be Gods' Word, to understand that the folks that die in Christ will be resurrected first, (THEY DIE ONCE)
then those that died in sin, will be resurrected to face "eternal judgment". (THEY DIE TWICE)
If you question either of these two principles, your basically lost.
Ephesians Chapter 2 verse 8 For by "FAITH" are ye saved, through faith; and that NOT OF YOURSELVES: it is the gift of God.
Verse 9. Not of works, lest any man should boast.
In other words, its not what you think, its what God says.
John Chapter 5 verse 28. Marvel not at this: for the hour is coming, in which all that are in the graves shall hear HIS voice.
Verse 29. And shall come forth; they that have done good, unto the resurrection of life; and they that have done evil, UNTO THE RESURRECTION OF "DAMNATION".
KJV