Christ freed us from the need for blood sacrifice.
How can we perform a blood sacrifice after we are dead?
Christ is the last blood sacrifice that man needs.
But the sins against man also need atonement. Purgatory is how we atone for the sins against me that we didn’t atone for while alive.
If the blood of Christ doesn’t completely make you clean…..NOTHING WILL.
We don't, in fact CAN'T, atone for our own sins. If that were possible, then Jesus died for nothing because then we could save ourselves.
Colossians 2:13-14 And you, who were dead in your trespasses and the uncircumcision of your flesh, God made alive together with him, having forgiven us all our trespasses, 14 by canceling the record of debt that stood against us with its legal demands. This he set aside, nailing it to the cross.
The ENTIRE record of our sin debt towards God was addressed at the cross when Jesus dealt with it there. There is nothing left to atone for because it has all been already paid for.
We owe nothing because there is nothing left unantoned for.
God can't require payment for sin that is not counted against us. That would be unjust to make the innocent pay for a crime not on their record, and He cannot be unjust.