If there is indeed no need for a visible teaching church and that each believer has immediate access to the Scriptures and the Holy Spirit to know the truth then how is it that for 1500 years before the rise of Martin Luther and the other Reformers that no one knew the truth? And how is it that even today over 1 billion Christians, Catholic and Orthodox, (these comprising the vast majority of the worldwide Christian population) have a different understanding of the faith and Scriptures that you do?
I claim as much good sense as you do and I have studied the Scriptures for years. My sincere conclusion is that the Catholic faith is in complete conformity with them and that it is the Protestants who have an erroneous understanding of the Bible. Is the Holy Spirit failing me?
Evidently