I read through the several pages about the oil in the lamps.

Whether the foolish virgins had oil or not, they were unable to enter the bridegroom's house because at that point, their lamps were out and they could not light them. That is the point of the story, imo.
Fred Wight, a respected authority on biblical matters, in
Manners and Customs of Bible Lands, on p. 132, says that without a torch or lamp (I assume a lit one, since it was always night), the invited guest could not take part in the procession or enter the bridegroom's house. Wight refers to the parable of the wise and foolish virgins and says that the foolish virgins could not proceed with the wise virgins because they did not have the reserve oil to light their lamps, and so were barred from the wedding feast.
This parable is similar to the one Jesus told about the wedding guest thrown out because he was not dressed in wedding attire, and to the one about those invited to the feast who declined the invitation.
I believe all of these parables shows the unsaved vs. the saved. The foolish virgins thought they could participate, but were not able to; they were excluded.
I think way back on p. 10 maybe, Tiny Tim made an excellent point about this possibly representing unsaved Israel, assuming that its works would merit righteousness. I tend to agree - these foolish virgins could be unsaved Israel. Jesus did tell other parables about Israel.
If the wedding feast represents Jesus coming for his bride, the church, then all those saved are part of the church. No saved person is excluded from fellowship with Christ.
JJump, I know you disagree but you have not been able to show your view in scripture.