The hardest thing to do is shed prejudice and take an honest look the biblical evidence for doctrines that give Protestants fits. It seems to me the only thing that Protestants can see is the abuses of the doctrine, never examining the doctrines themselves.
The bulk of Newman’s extraordinary work is devoted to the exposition of a series of analogies, showing conclusively that the Protestant static conception of the Church (both historically and theologically) is incoherent and false. He argues, for example, that notions of suffering, or “vague forms of the doctrine of Purgatory,” were universally accepted, by and large, in the first four centuries of the Church, whereas, the same cannot be said for the doctrine of Original Sin, which is agreed upon by Protestants and Catholics.
Protestants falsely argue that Purgatory is a later corruption, but it was present early on and merely developed. Original Sin, however, was equally if not more so, subject to development. One cannot have it both ways. If Purgatory is unacceptable on grounds of its having undergone development, then Original Sin must be rejected with it. Contrariwise, if Original Sin is accepted notwithstanding its own development, then so must Purgatory be accepted.
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"An indulgence is obtained through the Church who, by virtue of the power of binding and loosing granted her by Christ Jesus, intervenes in favor of individual Christians and opens for them the treasury of the merits of Christ and the saints to obtain from the Father of mercies the remission of the temporal punishment due for their sins." The Church does this not just to aid Christians, "but also to spur them to works of devotion, penance, and charity" (CCC 1478).
"the power of binding and loosing When someone repents, God removes his guilt (Is. 1:18) and any eternal punishment (Rom. 5:9),
but temporal penalties may remain. One passage demonstrating this is 2 Samuel 12, in which Nathan the prophet confronts David over his adultery:
"Then David said to Nathan, ‘I have sinned against the Lord.’ Nathan answered David: ‘The Lord on his part has forgiven your sin; you shall not die. But since you have utterly spurned the Lord by this deed, the child born to you must surely die’" (2 Sam. 12:13-14).
God forgave David but David still had to suffer the loss of his son as well as other temporal punishments (2 Sam. 12:7-12). (For other examples, see: Numbers 14:13-23; 20:12; 27:12-14.)
Protestants realize that, while Jesus paid the price for our sins before God, he did not relieve our obligation to repair what we have done. They fully acknowledge that i
f you steal someone’s car, you have to give it back; it isn’t enough just to repent. God’s forgiveness (and man’s!) does not include letting you keep the stolen car.
This technical definition can be phrased more simply as, "An indulgence is what we receive when the Church lessens the temporal (lasting only for a short time) penalties to which we may be subject even though our sins have been forgiven." To understand this definition,
we need to look at the biblical principles behind indulgences.
Principle 1: Sin Results in Guilt and Punishment
When a person sins, he acquires certain liabilities: the liability of guilt and the liability of punishment. Scripture speaks of the former when it pictures guilt as clinging to our souls, making them discolored and unclean before God: "Though your sins are like scarlet, they shall be white as snow; though they are red like crimson, they shall become like wool" (Is. 1:18). This idea of guilt clinging to our souls appears in texts that picture forgiveness as a cleansing or washing and the state of our forgiven souls as clean and white (cf. Ps. 51:4, 9).
We incur not just guilt, but liability for punishment when we sin: "I will punish the world for its evil, and the wicked for their iniquity; I will put an end to the pride of the arrogant and lay low the haughtiness of the ruthless" (Is. 13:11). Judgment pertains even to the smallest sins: "For God will bring
every deed into judgment, with every secret thing, whether good or evil" (Eccl. 12:14).
Principle 2: Punishments are Both Temporal and Eternal
The Bible indicates some punishments are eternal, lasting forever, but others are temporal. Eternal punishment is mentioned in Daniel 12:2: "And many of those who sleep in the dust of the earth shall awake, some to everlasting life and some to shame and everlasting contempt."
We normally focus on the eternal penalties of sin, because they are the most important,
but Scripture indicates temporal penalties are real and go back to the first sin humans committed: "To the woman he said, ‘I will greatly multiply your pain in childbearing; in pain you shall bring forth children (Gen. 3:16).
Principle 3: Temporal Penalties May Remain When a Sin is Forgiven
When someone repents, God removes his guilt (Is. 1:18) and any eternal punishment (Rom. 5:9), but temporal penalties may remain. One passage demonstrating this is 2 Samuel 12, in which Nathan the prophet confronts David over his adultery:
"Then David said to Nathan, ‘I have sinned against the Lord.’ Nathan answered David: ‘The Lord on his part has forgiven your sin; you shall not die. But since you have utterly spurned the Lord by this deed, the child born to you must surely die’" (2 Sam. 12:13-14).
God forgave David but David still had to suffer the loss of his son as well as other temporal punishments (2 Sam. 12:7-12). (For other examples, see: Numbers 14:13-23; 20:12; 27:12-14.)
Protestants realize that, while Jesus paid the price for our sins before God, he did not relieve our obligation to repair what we have done. They fully acknowledge that
if you steal someone’s car, you have to give it back; it isn’t enough just to repent. God’s forgiveness (and man’s!) does not include letting you keep the stolen car.
Protestants also admit the principle of temporal penalties for sin, in practice, when discussing death. Scripture says death entered the world through original sin (Gen. 3:22-24, Rom. 5:12).
When we first come to God we are forgiven, and when we sin later we are able to be forgiven, yet that does not free us from the penalty of physical death. Even the forgiven die; a penalty remains after our sins are forgiven. This is a temporal penalty since physical death is temporary and we will be resurrected (Dan. 12:2).
Principle 4: God Blesses Some People As a Reward to Others
In Matthew 9:1-8, Jesus heals a paralytic and forgives his sins after seeing the faith of his friends. Paul also tells us that "as regards election [the Jews] are beloved for the sake of their forefathers" (Rom. 11:28).
When God blesses one person as a reward to someone else, sometimes the specific blessing he gives is a reduction of the temporal penalties to which the first person is subject. For example, God promised Abraham that, if he could find a certain number of righteous men in Sodom,
he was willing to defer the city’s temporal destruction for the sake of the righteous (Gen. 18:16-33; cf. 1 Kgs. 11:11-13; Rom. 11:28-29).
Principle 5: God Remits Temporal Punishments through the Church
God uses the Church when he removes temporal penalties. This is the essence of the doctrine of indulgences. Earlier we defined indulgences as "what we receive when the Church lessens the temporal penalties to which we may be subject even though our sins have been forgiven." The members of the Church became aware of this principle through the sacrament of penance. From the beginning, acts of penance were assigned as part of the sacrament because
the Church recognized that Christians must deal with temporal penalties, such as God’s discipline and the need to compensate those our sins have injured.
In the early Church, penances were sometimes severe. For serious sins, such as apostasy, murder, and abortion, the penances could stretch over years,
but the Church recognized that repentant sinners could shorten their penances by pleasing God through pious or charitable acts that expressed sorrow and a desire to make up for one’s sin.
The Church also recognized the duration of temporal punishments could be lessened through the involvement of other persons who had pleased God. Scripture tells us God gave the authority to forgive sins "to men" (Matt. 9:8) and to Christ’s ministers in particular. Jesus told them,
"As the Father has sent me, even so I send you. . . . Receive the Holy Spirit. If you forgive the sins of any, they are forgiven; if you retain the sins of any, they are retained" (John 20:21-23).
If Christ gave his ministers the ability to forgive the eternal penalty of sin, how much more would they be able to remit the temporal penalties of sin! Christ also promised his Church the power to bind and loose on earth, saying, "Truly, I say to you, whatever you bind on earth shall be bound in heaven, and whatever you loose on earth shall be loosed in heaven" (Matt. 18:18). As the context makes clear, binding and loosing cover Church discipline, and Church discipline involves administering and removing temporal penalties (such as barring from and readmitting to the sacraments).
Therefore, the power of binding and loosing includes the administration of temporal penalties.