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50 Reasons Why Martin Luther Was Excommunicated
http://www.ncregister.com/blog/darmstrong/50-reasons-why-martin-luther-was-excommunicated

1. Separation of justification from sanctification.
2. Extrinsic, forensic, imputed justification.
3. Fiduciary faith.
4. Private judgment over against ecclesial infallibility.
5. Rejection of seven deuterocanonical books.
6. Denial of venial sin.
7. Denial of merit.
8. Sola Scriptura and radically private judgment: “if we are all priests . . . why should we not also have the power to test and judge what is right or wrong in matters of faith?”
9. Denial that the pope has the right to call a council.
10. Only justified men can do good works.
11. Denial of the sacrament of ordination.
12. Denial of exclusively priestly absolution. Anyone in the Christian community can grant absolution.
13. God has not instituted the office of bishop.
14. God has not instituted the office of the papacy.
15. Priests have no special, indelible character.
16. Temporal authorities have power over the Church; even bishops and popes: “The pope should have no authority over the emperor”.
17. Vows of celibacy are wrong and should be abolished.
18. Denial of papal infallibility.
19. Unrighteous priests or popes lose their authority.
20. The keys of the kingdom were not just given to Peter.
21. Private judgment of every individual to determine matters of faith.
22. Denial that the pope has the right to confirm a council.
23. Denial that the Church has the right to demand celibacy of certain callings.
24. God has not instituted the vocation of monk
25. Feast days should be abolished.
26. Fasts should be strictly optional.
27. Canonization of saints is thoroughly corrupt and should stop.
28. Confirmation is not a sacrament.
29. Indulgences should be abolished.
30. Dispensations should be abolished.
31. Philosophy (Aristotle as prime example) is an unsavory, detrimental influence on Christianity.
32. Transubstantiation is “a monstrous idea.”
33. The Church cannot institute sacraments.
34. Denial that the Mass is a good work.
35. Denial that the Mass is a true sacrifice.
36. Denial of the sacramental notion of ex opere operato.
37. Denial that penance is a sacrament.
38. Assertion that the Catholic Church had “completely abolished” the practice of penance.
39. Claim that the Church had abolished faith as an aspect of penance.
40. Denial of apostolic succession.
41. Any layman who can should call a general council.
42. Penitential works are worthless.
43. The seven sacraments lack any biblical proof.
44. Marriage is not a sacrament.
45. Annulments are a senseless concept and the Church has no right to grant them.
46. Whether divorce is allowable is an open question.
47. Divorced persons should be allowed to remarry.
48. Jesus allowed divorce when one partner committed adultery.
49. The priest’s daily office is “vain repetition.”
50. Extreme unction is not a sacrament (the only two sacraments are baptism and the Eucharist).

The 95 Theses - a modern translation

1. When Jesus said "repent" he meant that believers should live a whole life repenting

2. Only God can give salvation - not a priest.

3. Inwards penitence must be accompanied with a suitable change in lifestyle.

4. Sin will always remain until we enter Heaven.

5. The pope must act according to canon law.

6. Only God can forgive -the pope can only reassure people that God will do this.

7. A sinner must be humbled in front of his priest before God can forgive him.

8. Canon law applies only to the living not to the dead.

10. The priest must not threaten those dying with the penalty of purgatory.

11. The church through church penalties is producing a ‘human crop of weeds’.

13. When you die all your debts to the church are wiped out and those debts are free from being judged.

16. Purgatory = Hell. Heaven = Assurance.

18. A sinful soul does not have to be always sinful. It can be cleansed.

19. There is no proof that a person is free from sin.

20. Even the pope - who can offer forgiveness - cannot totally forgive sins held within.

21. An indulgence will not save a man.

22. A dead soul cannot be saved by an indulgence.

24. Therefore most people are being deceived by indulgences.

27. It is nonsense to teach that a dead soul in Purgatory can be saved by money.

28. Money causes greed - only God can save souls.

30. No-one is sure of the reality of his own penitence - no-one can be sure of receiving complete forgiveness.

32. People who believe that indulgences will let them live in salvation will always be damned - along with those who teach it.

33. Do not believe those who say that a papal indulgence is a wonderful gift which allows salvation.

34. Indulgences only offer Man something which has been agreed to by Man.

36. A man can be free of sin if he sincerely repents - an indulgence is not needed.

38. Do not despise the pope’s forgiveness but his forgiveness is not the most important.

39. The most educated theologians cannot preach about indulgences and real repentance at the same time.

40. A truly repent person will be sorry for his sins and happily pay for them. Indulgences trivialize this issue.

42. Christians should be taught that the buying of indulgences does not compare with being forgiven by Christ.

43. A Christian who gives to the poor or lends to those in need is doing better in God’s eyes than one who buys 'forgiveness'.

44. This is because of loving others, love grows and you become a better person. A person buying an indulgence does not become a better person.

46. A Christian should buy what is necessary for life not waste money on an indulgence.

48. The pope should have more desire for devout prayer than for ready money.

49. Christians should be taught not to rely on an indulgence. They should never lose their fear of God through them.

53. Those who forbid the word of God to be preached and who preach pardons as a norm are enemies of both the pope and Christ.

54. It is blasphemy that the word of God is preached less than that of indulgences.

55. The pope should enforce that the gospel - a very great matter - must be celebrated more than indulgences.

58. Relics are not the relics of Christ, although they may seem to be. They are, in fact, evil in concept.

60. Salvation can be sought for through the church as it has been granted this by Christ.

61. It is clear that the power of the church is adequate, by itself, for the forgiveness of sins.

62. The main treasure of the church should be the Gospels and the grace of God.

65. The treasured items in the Gospels are the nets used by the workers.

66. Indulgences are used to net an income for the wealthy.

68. They are the furthest from the grace of God and the piety and love of the cross.

72. Blessed are they who think about being forgiven.

73. The pope is angered at those who claim that pardons are meaningless.

75. It is wrong to think that papal pardons have the power to absolve all sin.

76. You should feel guilt after being pardoned. A papal pardon cannot remove guilt.

81. Pardoners make the intelligent appear disrespectful because of the pope’s position.

84. Evil men must not buy their salvation when a poor man, who is a friend of God, cannot.

88. What good would be done to the church if the pope was to forgive hundreds of people each day ?

89. Why are indulgences only issued when the pope sees fit to issue them ?

91. If the pope had worked as he should (and by example) all the problems stated above would not have existed.

93. Those in the church who claim there is no problem must go.

94. Christians must follow Christ at all cost.

95. Let Christians experience problems if they must - and overcome them - rather than live a false life based on present Catholic teaching.

https://www.warrencountyschools.org/userfiles/1687/Classes/192174/the%2095%20theses.pdf?id=575782