So easy to be a Protestant.
Quite apart from the issue of the instrumentality through which sins are forgiven (a sacrament or directly), Catholics continue down their path of labeling the Bible to be primitive mythology that "never actually happened," in effect calling G-d a (chas vechalilah!) liar.
I'd say having that to answer for at judgment pretty much evens out the Protestants' lack of external instrumentality.
I see. In other words, seeing as we ALL have to answer at judgment day, you agree with me.