Continuing With Luther

I am afraid that the schools will prove the very gates of hell, unless they diligently labor in explaining the Holy Scriptures and engraving them in the heart of the youth.
Martin Luther

Luther's 95 Theses 

34. For these "graces of pardon" concern only the penalties of sacramental satisfaction, and these are appointed by man.

35. It is not according to Christian doctrine to preach and teach that contrition is not necessary for those who intend to buy souls out of purgatory or to buy confessional licenses.

36. Every truly repentant Christian has a right to full remission of penalty and guilt, even without letters of pardon.

37. Every true Christian, whether living or dead, has part in all the blessings of Christ and the Church; and this is granted him by God, even without letters of pardon.

38. Nevertheless, the remission and participation [in the blessings of the Church] which are granted by the pope are in no way to be despised, for as I have said, they are the declaration of divine remission.

39. It is most difficult, even for the very best theologians, to commend to the people the abundance of pardons while at the same time encouraging true contrition.

40. True contrition seeks and loves penalties, but generous pardons only relax penalties and cause them to be hated, or at least, furnish an occasion [for hating them].

41. Papal pardons should be preached with caution, lest people falsely think they are preferable to other good works of love.

42. Christians should be taught that the pope does not intend the purchase of pardons to be compared in any way to works of mercy.

43. Christians should be taught that he who gives to the poor or lends to the needy does a better work than buying pardons;

44. Because love grows by works of love, and a man becomes a better man; but by pardons he does not grow better, only escapes penalty.

45. Christians should be taught that he who sees a person in need, and passes him by, and then purchases pardons, purchases not the indulgences of the pope, but the indignation of God.

46. Christians should be taught that unless they have more than they need, they are bound to keep what is necessary for their own families, and should by no means squander it on pardons.

47. Christians are to be taught that the buying of pardons is a voluntary matter, and not a legal requirement.

48. Christians should be taught that in granting pardons the pope needs and desires their devout prayer for him more than the money they bring.

49. Christians are to be taught that the pope's pardons are useful only if they do not put their trust in them; but altogether harmful, if they lose their fear of God because of them.

50. Christians should be taught that if the pope knew the exactions of the pardon-preachers, he would rather that St. Peter's church be reduced to ashes than be built up with the skin, flesh and bones of his sheep.

51. Christians should be taught that it would be the pope's wish, as it is his duty, to give of his own money, even though the church of St. Peter might have to be sold, to many of those from whom certain hawkers of pardons cajole money.

52. The assurance of salvation by letters of pardon is useless, even though the commissary, or indeed even though the pope himself, were to stake his soul upon it.