This is from volume 7, chapter 3 of Philip Schaff’s History of the Christian Church:
The Reformation began with a protest against the traffic in indulgences which profaned and degraded the Christian religion.
The difficult and complicated doctrine of indulgences is peculiar to the Roman Church. It was unknown to the Greek and Latin fathers. It was developed by the mediaeval schoolmen, and sanctioned by the Council of Trent (Dec. 4, 1563), yet without a definition and with an express warning against abuses and evil gains.
In the legal language of Rome, indulgentia is a term for amnesty or remission of punishment. In ecclesiastical Latin, an indulgence means the remission of the temporal (not the eternal) punishment of sin (not of sin itself), on condition of penitence and the payment of money to the church or to some charitable object. It maybe granted by a bishop or archbishop within his diocese, while the Pope has the power to grant it to all Catholics. The practice of indulgences grew out of a custom of the Northern and Western barbarians to substitute pecuniary compensation for punishment of an offense. The church favored this custom in order to avoid bloodshed, but did wrong in applying it to religious offenses. Who touches money touches dirt; and the less religion has to do with it, the better. The first instances of such pecuniary compensations occurred in England under Archbishop Theodore of Canterbury (d. 690). The practice rapidly spread on the Continent, and was used by the Popes during and after the crusades as a means of increasing their power. It was justified and reduced to a theory by the schoolmen, especially by Thomas Aquinas, in close connection with the doctrine of the sacrament of penance and priestly absolution.
Luther had experienced the remission of sin as a free gift of grace to be apprehended by a living faith. This experience was diametrically opposed to a system of relief by means of payments in money. It was an irrepressible conflict of principle. He could not be silent when that barter was carried to the very threshold of his sphere of labor. As a preacher, a pastor, and a professor, he felt it to be his duty to protest against such measures: to be silent was to betray his theology and his conscience.
After serious deliberation, without consulting any of his colleagues or friends, but following an irresistible impulse, Luther resolved upon a public act of unforeseen consequences. It may be compared to the stroke of the axe with which St. Boniface, seven hundred years before, had cut down the sacred oak, and decided the downfall of German heathenism. He wished to elicit the truth about the burning question of indulgences, which he himself professed not fully to understand at the time, and which yet was closely connected with the peace of conscience and eternal salvation. He chose the orderly and usual way of a learned academic disputation.
Accordingly, on the memorable thirty-first day of October, 1517, which has ever since been celebrated in Protestant Germany as the birthday of the Reformation, at twelve o’clock he affixed (either himself or through another) to the doors of the castle-church at Wittenberg, ninety-five Latin Theses on the subject of indulgences, and invited a public discussion. At the same time he sent notice of the fact to Archbishop Albrecht of Mainz, and to Bishop Hieronymus Scultetus, to whose diocese Wittenberg belonged. He chose the eve of All Saints’ Day (Nov. 1), because this was one of the most frequented feasts, and attracted professors, students, and people from all directions to the church, which was filled with precious relics.
No one accepted the challenge, and no discussion took place. The professors and students of Wittenberg were of one mind on the subject. But history itself undertook the disputation and defence. The Theses were copied, translated, printed, and spread as on angels’ wings throughout Germany and Europe in a few weeks.We have thus set before us in this manifesto, on the one hand, human depravity which requires lifelong repentance, and on the other the full and free grace of God in Christ, which can only be appropriated by a living faith. This is, in substance, the evangelical doctrine of justification by faith (although not expressed in terms), and virtually destroys the whole scholastic theory and practice of indulgences. By attacking the abuses of indulgences, Luther unwittingly cut a vein of mediaeval Catholicism; and by a deeper conception of repentance which implies faith, and by referring the sinner to the grace of Christ as the true and only source of remission, he proclaimed the undeveloped principles of evangelical Protestantism, and kindled a flame which soon extended far beyond his original intentions.
