The verses are these:
“For no other foundation can anyone lay than that which is laid, which is Jesus Christ. Now if anyone builds on this foundation [with] gold, silver, precious stones, wood, hay, straw, each one’s work will become clear; for the Day will declare it, because it will be revealed by fire; and the fire will test each one’s work, of what sort it is. If anyone’s work which he has built on it endures, he will receive a reward. If anyone’s work is burned, he will suffer loss; but he himself will be saved, yet so as through fire.” (1Co 3:11-15 NKJV)
Notice that the foundation is Jesus Christ. It is the works that are burned in testing. As Jamieson, Fausset and Brown say in their commentary: "The fire (probably figurative here, as the gold, hay, etc.) is not purgatory (as Rome teaches, that is, purificatory and punitive), but probatory, not restricted to those dying in "venial sin"; the supposed intermediate class between those entering heaven at once, and those dying in mortal sin who go to hell, but universal, testing the godly and ungodly alike (2Co 5:10; compare Mr 9:49). This fire is not till the last day, the supposed fire of purgatory begins at death. The fire of Paul is to try the works, the fire of purgatory the persons, of men. Paul’s fire causes "loss" to the sufferers; Rome’s purgatory, great gain, namely, heaven at last to those purged by it, if only it were true. Thus this passage, quoted by Rome for, is altogether against, purgatory."
That is your interpretation that is based on your understanding. In this instance, what you can do is disagree with the Catholic Church. What you cannot do is say that the Catholic Church is unbiblical.
The question remains, what gives scripture authority? Is it your own understanding? “The scripture is written in words all can understand” if that is true, then why the denominations?
In Protestant theory, open reading of scripture should lead to more unity, but what we have are numerous splits or schisms, what is it now? Over 30,000 sects?
What does scripture say?
2 Peter
20 Understanding this first, that no prophecy of scripture is made by private interpretation.
21 For prophecy came not by the will of man at any time: but the holy men of God spoke, inspired by the Holy Ghost.
The question then becomes, who are the holy men of God? Those the we agree with? Or those we enjoy listening to? Would that not then lead us back to our own understanding?
What about the sola scripturist’s favorite verses?
2 Timothy
16 All scripture, inspired of God, is profitable to teach, to reprove, to correct, to instruct in justice,
17- That the man of God may be perfect, furnished to every good work
Hmmm. It says we are supposed to be taught, reproved, corrected and instructed (some translations say training in righteousness)
That then begs the question, who is to teach, reprove, correct and instruct?
Could that also be our own understanding? Don’t think so. God wants obedience rather than sacrifice. Who are the people to obey?
If it is our own understanding, then it is no one but ourselves and our interpretation of God, rather than God Himself.
What does scripture say?
Ephesians 4
.
7 But to every one of us is given grace, according to the measure of the giving of Christ.
8 Wherefore he saith: Ascending on high, he led captivity captive; he gave gifts to men.
9 Now that he ascended, what is it, but because he also descended first into the lower parts of the earth?
10 He that descended is the same also that ascended above all the heavens, that he might fill all things.
11 And he
gave some apostles, and some prophets, and other some evangelists, and other some pastors and doctors,
12 For the perfecting of the saints, for the work of the ministry, for the edifying of the body of Christ:
13 Until we all meet into the unity of faith, and of the knowledge of the Son of God, unto a perfect man, unto the measure of the age of the fulness of Christ;
14 That henceforth we be no more children tossed to and fro, and carried about with every wind of doctrine by the wickedness of men, by cunning craftiness, by which they lie in wait to deceive.
15 But doing the truth in charity, we may in all things grow up in him who is the head, even Christ
The office of Apostle of as given by God, not the desire of men. How do we know we follow the teaching of an apostle? We must look back in history to see what the teaching of the Apostles was. There is a work by Iraneus called Demonstration of the Apostolic teaching. It was written in the second century before the reformation, before the great schism and even before the council of Nicaea. You should read it and see how your understanding lines up with Apostolic teaching. God gives you the free will as the whether you will do that or not, but if you are going to claim understanding of authentic Christian teaching, you owe it to yourself to at least look at it
The holy men of God were the Apostles, not us. We are to be obedient students, not teachers as though we know better. Do we really?
What does scripture say will happen if we do not obey the Apostles?
2 Timothy 4
2 Preach the word: be instant in season, out of season: reprove, entreat, rebuke in all patience and doctrine
3 For there shall be a time, when they will not endure sound doctrine; but, according to their own desires, they will heap to themselves teachers, having itching ears:
4 And will indeed turn away their hearing from the truth, but will be turned unto fables.
5 But be thou vigilant, labour in all things, do the work of
an evangelist, fulfill thy ministry. Be sober.
How do you know that you are not one with itching ears rather than an obedient servant? The only way is to study, look and compare our selves to the Apostolic teaching. If we do not even look at it, we keep ourselves in darkness to obey ourselves rather than God
What does Peter say to do?
Not everyone that reads and quotes scripture remains with God. Some use scripture for their own ends. How do we know it is not us?
1 The ancients therefore that are among you, I beseech, who am myself also an ancient, and a witness of the sufferings of Christ: as also a partaker of that glory which is to be revealed in time to come:
2 Feed the flock of God which is among you, taking care of it, not by constraint, but willingly, according to God: not for filthy lucre's sake, but voluntarily:
3 Neither as lording it over the clergy, but being made a pattern of the flock from the heart.
4 And when the prince of pastors shall appear, you shall receive a never fading crown of glory.
5 In like manner, ye young men, be subject to the ancients. And do you all insinuate humility one to another, for God resisteth the proud, but to the humble he giveth grace
He says to study the teaching of the Church fathers, aka the ancients. If you lean unto yourself or the teachers of your choice, it makes no difference, it’s your free will. Will you study the Apostles or go your own way?