Well so far no one here has made a comment that it is absurd to believe that a loving Creator would test people and then punish them in a Hell or a Purgatory for an outcome that was pretty much inevitable to begin with, and certainly the outcome was known by God in advance. 

By the way, not all spiritual traditions start with the premise that you are unworthy. I certainly would not subscribe to a religion that told me I was slime

What bothered me as a kid was that the indulgences were listed with prayers, but no one ever told us the total number of years, whether a million years or ten. So you never knew how close you were to eliminating your burden of suffering. Don't we suffer enough in this life? Do we need more suffering in Purgatory? 

The Church peddles fear.  Pay us and God will have "mercy." If people can't figure this out, how will they figure anything out? In my view, most people don't know how to think and are easy victims for the unscrupulous