And, no, you can't pay anyone to do your temple work, Either you embrace the gospel when you have the opportunity and get baptized yourself, or you die and hope and wait for a family member to join the Church and do the work for you (assuming you accept the gospel in the next life.) Otherwise, don't worry about it. Eventually, every person who has ever lived, or will ever live, on this earth will have the same opportunity. The Lord is no respecter of persons. We are all His children.