Although you have to admit, the mega-rich have got to be attracted to the idea of purgatory. If they leave a billion dollars to the pope, they can get away with pretty much anything here on earth. It's the poor that get screwed by the doctrine. You can't buy any really good sins with $50 and an old pair of shoes.
You're over four hundred years behind the times. The selling of indulgences was explicitly condemned by the Council of Trent.
I don't think leaving what you can't take with you is going to buy you or anyone else any time out at all. What you give while you can still enjoy it or use it - remember the widow's mite.
Your scenario was hog wash 70 years ago when I was a kid and it still is today. The only people I knew who used that rationale were fallen away Catholics. Ar you fallen away?