The catechism says purgatory is for forgiveness of sin and temporal punishment. The bible says Jesus is the atonement for sin. A person is not forgiven if they must still be punished. The first scenario you described about stealing the money from the bank is a better description of purgatory because after the money was returned there is still punishment that is necessary. The scenario about accidentally breaking a window doesn't fit the description of purgatory because after the window is fixed there are no further consequences. There is no punishment that should be required. It's just like a accident in a car. If you get into a wreck in a car once the person's car is fixed there are no further consequences for the accident. If someone breaks my window then fixes it they owe me nothing and I am completely satisfied and don't hold any kind of grudge against that person. I wouldn't require that person be punished for the accident if the window was fixed. The same would also apply in a court of law. That would be a civil case not a criminal case. A person doesn't go to jail for breaking a window if they fix the it. Purgatory is describing a criminal case where punishment for the offense would also be necessary. The definition of forgiveness is to stop feeling angry or resentful toward (someone) for an offense, flaw, or mistake or to cancel a debt. So if punishment or payment is still necessary after your sins are forgiven then that is not forgiveness.
Catholics keep claiming that 1 Corinthians 3:11-15 is evidence of purgatory. First of all you have to realize it is a parable. Parables are used to support what is currently being discussed. You don't start discussing a topic and then use a parable that is discussing a completely different topic. So let's examine the context of what Paul was discussing when he used that parable.
“Dear brothers and sisters, when I was with you I couldn’t talk to you as I would to spiritual people. I had to talk as though you belonged to this world or as though you were infants in Christ. I had to feed you with milk, not with solid food, because you weren’t ready for anything stronger. And you still aren’t ready, for you are still controlled by your sinful nature. You are jealous of one another and quarrel with each other. Doesn’t that prove you are controlled by your sinful nature? Aren’t you living like people of the world? When one of you says, “I am a follower of Paul,” and another says, “I follow Apollos,” aren’t you acting just like people of the world? After all, who is Apollos? Who is Paul? We are only God’s servants through whom you believed the Good News. Each of us did the work the Lord gave us. I planted the seed in your hearts, and Apollos watered it, but it was God who made it grow. It’s not important who does the planting, or who does the watering. What’s important is that God makes the seed grow. The one who plants and the one who waters work together with the same purpose. And both will be rewarded for their own hard work. For we are both God’s workers. And you are God’s field. You are God’s building. Because of God’s grace to me, I have laid the foundation like an expert builder. Now others are building on it. But whoever is building on this foundation must be very careful.”
1 Corinthians 3:1-10
Paul is writing to the Corinthians to explain that both himself and Apollos were working towards the same goal and they each did the work that The Lord assigned to them. Nowhere is Paul talking about forgiveness of sin or temporal punishment for sin or purification. Paul is talking about how our works will earn us rewards in heaven and regardless of whether our works survive the test of fire we will still be saved. It is our works that are tested by fire not our soul or spirit. Now let's examine 11-15.
“For no one can lay any foundation other than the one we already have—Jesus Christ. Anyone who builds on that foundation may use a variety of materials—gold, silver, jewels, wood, hay, or straw. But on the judgment day, fire will reveal what kind of work each builder has done. The fire will show if a person’s work has any value. If the work survives, that builder will receive a reward. But if the work is burned up, the builder will suffer great loss. The builder will be saved, but like someone barely escaping through a wall of flames.”
1 Corinthians 3:11-15 NLT
Everything Paul says is referring to works. Our works will be tested by fire and if they survive the test of fire we will receive a reward. The reward is not salvation. Our salvation is a free gift from the grace of God. The definition of grace is a free and unmerited favor of God. It cannot be earned. When Paul says we will be saved but like someone barely escaping a wall of flames is a metaphor. Nowhere has Paul mentioned forgiveness of sin or temporal punishment in this entire chapter. In every case of a biblical reference to purgatory it is either a parable taken out of context of what is being discussed or an assumption with nothing to support it. Nowhere in the bible is purgatory, forgiveness of sin after death, temporal punishment after death, or purification after death directly discussed. Not even the concept of the idea is ever directly discussed. Another example is Matthew 12:32.
“Anyone who speaks against the Son of Man can be forgiven, but anyone who speaks against the Holy Spirit will never be forgiven, either in this world or in the world to come.”
Matthew 12:32 NLT
The catholic church makes the assumption that because Jesus said we will not be forgiven in this world or the world to come if we sin against the Holy Spirit that this indicates there is forgiveness of sin in the world to come. But that is not what Jesus said. In fact Jesus said the exact opposite. He said we won't be forgiven in the world to come. The catholic church is making an assumption that is not supported by any other scriptures in the bible. Next is Matthew 5:25-26
““When you are on the way to court with your adversary, settle your differences quickly. Otherwise, your accuser may hand you over to the judge, who will hand you over to an officer, and you will be thrown into prison. And if that happens, you surely won’t be free again until you have paid the last penny.”
Matthew 5:25-26 NLT
Here Jesus is teaching us that we need to reconcile our differences with others. If we don't forgive we will not be forgiven. Many people mistake this verse as being a parable but Jesus is speaking literally. At that time you could literally be thrown into prison for not paying a debt.
““You have heard that our ancestors were told, ‘You must not murder. If you commit murder, you are subject to judgment.’ But I say, if you are even angry with someone, you are subject to judgment! If you call someone an idiot, you are in danger of being brought before the court. And if you curse someone, you are in danger of the fires of hell. “So if you are presenting a sacrifice at the altar in the Temple and you suddenly remember that someone has something against you, leave your sacrifice there at the altar. Go and be reconciled to that person. Then come and offer your sacrifice to God. “When you are on the way to court with your adversary, settle your differences quickly. Otherwise, your accuser may hand you over to the judge, who will hand you over to an officer, and you will be thrown into prison. And if that happens, you surely won’t be free again until you have paid the last penny.”
Matthew 5:21-26 NLT
Notice that Jesus says "If you call someone an idiot, you are in danger of being brought before the court. And if you curse someone, you are in danger of the fires of hell". That is the prison Jesus is talking about. In hell the payment is eternal. The actual word Jesus used is Gehenna which is referring to hell. Jesus used the word Gehenna 11 times in the New Testament and in every case He was referring to hell. Here are some examples.
- Matthew 5:22: "....whoever shall say, "You fool," shall be guilty enough to go into Gehenna."
- Matthew 5:29: "....it is better for you that one of the parts of your body perish, than for your whole body to be thrown into Gehenna."
- Matthew 5:30: "....better for you that one of the parts of your body perish, than for your whole body to go into Gehenna."
- Matthew 10:28: "....rather fear Him who is able to destroy both soul and body in Gehenna."
- Matthew 18:9: "It is better for you to enter life with one eye, than with two eyes to be thrown into the Gehenna."
- Matthew 23:15: "Woe to you, scribes and Pharisees, hypocrites, because you... make one proselyte...twice as much a child of Gehenna as yourselves."
- Matthew 23:33, to the Pharisees: "You serpents, you brood of vipers, how shall you to escape the sentence of Gehenna?"
- Mark 9:43: "It is better for you to enter life crippled, than having your two hands, to go into Gehenna into the unquenchable fire."
- Mark 9:45: "It is better for you to enter life lame, than having your two feet, to be cast into Gehenna."
- Mark 9:47: "It is better for you to enter the Kingdom of God with one eye, than having two eyes, to be cast into Gehenna."
- Luke 12:5: "....fear the One who, after He has killed has authority to cast into Gehenna; yes, I tell you, fear Him."
- James 3:6: "And the tongue is a fire,...and sets on fire the course of our life, and is set on fire by Gehenna."
So his reference is the literal meaning of being in danger of being thrown into prison where you will not be released until you've paid the last penny. But in hell payment is eternal. You will never be released. So Jesus is not speaking of purgatory which is temporary punishment He is speaking of hell which is eternal punishment.
In every single case when you examine the scriptures that the catholic church uses to support purgatory you can see that purgatory is not being discussed. That is why in every case it is not a clear and direct teaching of purgatory and to come to the conclusion that they are referring to purgatory requires assumptions or trying to find some sort of hidden meaning within the scriptures. So be bold and stand confident in your faith that Jesus Christ has paid the price for your sins IN FULL!! He didn't suffer and sacrifice Himself on the cross to pay for some of your sins HE PAID FOR ALL OF THEM!! PRAISE THE LORD!! We are all unworthy of God's grace but because of our faith in Jesus Christ God has promised to forgive us of our all sins and remember them no more. PRAISE OUR HEAVENLY FATHER FOR HIS GRACE EVEN THO WE DON'T DESERVE IT!! AMEN!!