We are all guilty in God's sight. We have debts to pay. If we are to be saved we will spend thousands of years in purgatory ( unless you live as extreme as the saints did in agonizing penance every minute of every day).
The way to approach death is this: O Lord, I love thee, and repent of my sins, therefore I am prepared to burn for thee, that I might regain the purity I have lost through my sin.