You’re arguing against a Catholicism that doesn’t exist except in your own mind.
The idea that we can pay for our sins satisfactorily without grace is a heresy. Whoever holds this idea is anathema to the Catholic Church.
Mormons teach that by the Grace of God, they can strive to become worthy. Except for what Jesus did, they could not strive to become gods. Catholics are caught in the same trap but are less likely to see it when pointed out to them since they are so dependent upon the deception to hold their pride up for weighing.