.That was an honest thought to consider.
If Christ was the propitiation for your sin, If he paid the price for your sin, why must you then pay it. It makes mercy unnecessary
All you did is chose not to answer and cover your tracks with an insult.
I would imagine it's not an insult given that you believe the Holy Ghost inspires you to discover the Doctrine of Christ through Scripture, even as the fissiparousness of prostestantism would make that theory seem foolish. If the Holy Ghost does not make you infallible in your interpretation of Scripture, then you are "setting yourself up as the final authority in religion."
Christ redeemed us; by His Blood we are saved. But the justice of God does not allow the temporal punishment of our trespasses to go unremitted nor does it allow anything defiled to enter into Heaven. The distinction between temporal punishment and eternal punishment is important - we know that through Christ we can find remission of eternal punishment, but the temporal punishment for our sins remains, as seen in the effects of sickness and death. We can be forgiven for our trespasses and avoid eternal punishment, but still have a debt to pay with temporal punishment - as seen with Psalm 99: "O Lord, our God, you answered them; you were a forgiving God, though you punished their offenses" (8). Purgatory is a means of remitting this debt to God, but the same effect can be achieved by doing penance and corporal or spiritual works of mercy here on earth.