Why do we Need Indulgences?

Found the article on indulgences at catholic.org/clife/prayers/indulgc.php. and found it hard to understand.

Why do we need indulgences if we are doing everything possible in prayer, supporting the Church and in trying to live a Christ-filled life (albeit imperfectly due to our humanity)? If we sincerely carry out a daily examination of conscience and seek the Sacrament of Reconciliation, where do indulgences fit in, is it something I should be asking for, and if so, how often?

The following links should assist you in better understanding the Catholic Church’s teaching on Indulgences. If you have any further questions or concerns that are not answered by these links, please contact Catholic Answers directly.
Recommended Reading:
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[LIST]
*]
Myths about Indulgences**
*] HOW TO GAIN AN INDULGENCE
*]How to Get an Indulgence
*]Primer on Indulgences
*] CATECHISM OF THE CATHOLIC CHURCH ON INDULGENCES
[/LIST]

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