We need to get rid of the Catholic vs Protestant argument and put the focus where it needs to be, on the Lord Jesus Christ. If the clear Gospel was taught, we wouldn't be having this discussion at all. If you are depending on a church, a priest, a baptism or anything else as a way to eternal life then you are mistaken. Jesus Christ paid the penalty we could not pay. He did all that was necessary. His death,burial and resurrection paid for ALL our sins. We are free from an eternal hell. It's the good news. Anything else, we can agree to disagree. We are under grace and some things can be argued but it is clear when it comes to salvation in the bible. We have disagreements because we won't actually read the bible for ourselves. We depend on a preacher or a priest to tell us what's in it. If you don't study God's written word and know it, how can you discern the truth from falsehoods? You are either depending on Jesus for salvation or a religion and I know who I am trusting with my eternal soul.
So, you solution to debate between Catholics and Protestants is for Catholics to leave the Church?
First and last, yes, Let us hand ourselves over to the Love of God in Jesus and the Spirit and let the chips fall where they may. BUT However it is phrased there is something about appropriating XP's gift. Wherever the impulse or choice or whatever begins (and I hold it begins with God) there seems to be something expected of us, and how we wrestle with that something seems to be where the conversation gets interesting.
For example, I agree that it is all XP's gift. No question, but that gift is poked and prodded and nurtured in me not only with Bible study and prayer but with community and sacrament. That is just my experience.
Further, as I said or implied earlier, there are those who will not come to any serious depth of understanding through Bible study. They just can't study. Heck, I was chaplain for a while at a home for severely handicapped kids. They pretty much needed someone to interpret the Scriptures for them. They needed the help of a trustworthy community for every aspect of their lives, from defecating to praying. If the Church is truly "according to the whole" it's going to involve ministry to those who cannot do what you recommend.
Finally, in a gnomic and problematic articulation I would say there are seeming oppositions in your presentation which I do not think are ultimately opposite. I like to say that in the RC schema, "merit" is a grace. This is to overwhelm the too strict opposition which I think Reformers put on those terms. I have said before if I give my child a dollar, drive her to the store, tell her I'd like a pack of gum for my birthday, and she buys it with my dollar, I am very pleased with her and I "reward" her with the hug I wanted to give her anyway. We both know whose money it was, but we both enjoy the transaction of love. And in a similar way, for me to trust a bunch of men in dresses off in a far country and many of whom have a markedly less than stellar record in their personal lives IS PRECISELY nothing other than trusting God Himself. I depend on these guys, BECAUSE I depend on Jesus, not instead of depending on Jesus.
But I started with a half-hearted commitment as a newly ordained Episcopal priest, to give all I did to him. I trained myself to avoid talking about "my ministry" because I wanted always to remember it was His ministry. And as the Episcopal Church went further and further off the rails, I clung to Him. And here I am, headed for hell as some on this thread will firmly assert.
We have disagreements because we INTERPRET what we read in different ways. This happens within the various Prot. denominations as well. So, as I look to others for a deeper understanding of what I read (and not just biblically), I look to the interpretations of a 2000 y.o. Church to assist with my thoughts.
I can't believe that I am the sole authority since I am not infallible. If we're guided by the Holy Spirit, than we cannot all be right. Could this be ego? I don't know.
It borders on condescending when you suggest that we don't read the bible and instead look solely to others for what to believe.