If there is visible mold on a part of a surface, then it's reasonable to assume that a much larger part of that surface already has mold, it's just not visible yet. Bread is basically a sponge, the surface of a sponge is the entire sponge, so that mold can have spread everywhere in the bread.

I found this overview which looks right to me: https://www.eatingwell.com/article/91553/4-moldy-foods-you-can-eat-plus-which-foods-to-toss/

Should you be dead from eating mold? I suspect that it's a lottery with many factors: which types of molds that you have eaten, the quantities, your immune system, ... But keep at it and eventually you might win a price.