Purgatory is a tool used by Satan to deceive people who fail to understand the truth of the cross. We are refined in this life. As Abraham told the rich man in Hades:
Luke 16:25-31
25 "But Abraham said, 'Child, remember that during your life you received your good things, and likewise Lazarus bad things; but now he is being comforted here, and you are in agony.26'And besides all this, between us and you there is a great chasm fixed, in order that those who wish to come over from here to you may not be able, and that none may cross over from there to us.'27 "And he said, 'Then I beg you, Father, that you send him to my father's house - 28 for I have five brothers - that he may warn them, lest they also come to this place of torment.'29 "But Abraham said, 'They have Moses and the Prophets; let them hear them,'30 "But he said, 'No, Father Abraham, but if someone goes to them from the dead, they will repent!"31 "But he said to him, 'If they do not listen to Moses and the Prophets, neither will they be persuaded if someone rises from the dead.'" NAS
We have not only Moses and the Prophets, we have the apostles one of whom wrote:
Colossians 2:13-15
13 And when you were dead in your transgressions and the uncircumcision of your flesh, He made you alive together with Him, having forgiven us all our transgressions, 14 having canceled out the certificate of debt consisting of decrees against us and which was hostile to us; and He has taken it out of the way, having nailed it to the cross. 15 When He had disarmed the rulers and authorities, He made a public display of them, having triumphed over them through Him.
NAS
What further refining is required when all debts have been cancelled?