This is where the difference between the gospel of grace and the sacramental system becomes very clear. Scripture teaches that Christ’s sacrifice completely and perfectly paid for the sins of His people. “There is therefore now no condemnation to them which are in Christ Jesus” (Rom. 8:1). Believers are justified fully by faith because of Christ’s finished work.
The idea that forgiven believers must still satisfy remaining temporal punishments through purgatory, indulgences, or the “treasury of merits” goes beyond what Scripture teaches. The New Testament never presents the Church as possessing stored merits from saints that can be distributed to others by priestly authority.
Our assurance at death rests not in a final ecclesiastical pardon, but in Jesus Christ Himself — His righteousness, His atonement, and His promise that whoever believes in Him has eternal life.
Christ does not merely make salvation possible pending further satisfaction. He saves completely.
Grace alone. Faith alone. Christ alone.