Were not all virgins to found in the same house waiting together for their Lord and did not the five foolish also have a lamp with oil (Holy Spirit) but just not enough ? Where not the five wise filled with The Holy Spirit and beyond a full measure?  Is not this a picture of those who are fully prepared and waiting as opposed to those who are waiting but not prepared to meet Him when He comes ? Is this not about the Bridegroom returning and not The King of Kings with all the saints (Second Coming)?  Could it be that The Lord says to the 5 foolish - I don't (intimately) know you at that time because they are not dressed and ready for Him when He comes for them (all ten virgins) with some ready and some not. Does He not both reward and correct those that belong to Him? I see believers all the time who are saved but not growing in the faith and therefore "unbelievers" to a lot of the truths taught in the word of God.  Jesus came to bring a sword and cause division - between flesh and spirit and only what is done by The Spirit is approved of by God. Is this not our struggle every day to put off the old nature in favor of the Spirit. This is why we are warned throughout the Bible and to the very end to endure, overcome and to be ready at all times and that His reward is with Him. But - what of those who belong to God if they do not obey, not filled with the Holy Spirit and are not ready?
Are they lost, as the wicked who do not know God, and what will become of them?