Why do people have different chances of becoming Christian? First of all, let me say that I'm Christian, and I regularly volunteer at Church. However, I have a question that I'd like some light shed on:

Christianity seems to value fairness and justness, but this question seems to oppose this, as, say in Muslim cultures, there is a much lower chance of becoming Christian than in more Christian environments.  Why would God put some people in a culture where the Gospel is readily available, and allow others to live in areas where it's harder, or impossible to hear?  

It seems unfair for someone to not be able to get to heaven because of the culture they grew up in.  If they can't hear the Gospel message, and salvation is only applied to those that hear the Gospel message, that seems like an unfair situation.

Is there a doctrinal teaching, or a standard apologetic answer to the question of the salvation of those that don't get the same chance to hear the gospel as others?  I'm looking primarily for a Protestant perspective, specifically.
The Reformed take on the answer is that no one becomes a believer by chance, but rather by divine election whereby God utilizes someone to preach the gospel to sinners, and causes the sinner to be regenerated (born-again), such that they receive the gospel as good news and believe in Jesus, and thus receive forgiveness of sins on account of Jesus' death on the cross and resurrection.