Matthew 4:4 But he answered and said, It is written, Man shall not live by bread alone, but by every word that proceedeth out of the mouth of God.It is our most important food. We cannot live without it. We cannot "ingest" it without thinking about what it means. That is a psychological impossibility. You cannot have chosen your own faith tradition without first engaging in your own interpretation of their teaching. Contrary to popular misconception, there is no Scripture prohibiting the attempt of the individual to understand God's word. Quite the opposite:
Psalms 119:101-106 I have refrained my feet from every evil way, that I might keep thy word. (102) I have not departed from thy judgments: for thou hast taught me. (103) How sweet are thy words unto my taste! yea, sweeter than honey to my mouth! (104) Through thy precepts I get understanding: therefore I hate every false way. (105) NUN. Thy word is a lamp unto my feet, and a light unto my path. (106) I have sworn, and I will perform it, that I will keep thy righteous judgments.And earlier in the same Psalm:.
Psalms 119:10-11 With my whole heart have I sought thee: O let me not wander from thy commandments. (11) Thy word have I hid in mine heart, that I might not sin against thee.So we see that the one who claims to have faith in God is duty-bound to keep God's word, to not depart from His judgments. In the keeping of that duty you will find His words sweeter than honey, that they give understanding, that they teach us to hate every false way. God's word lights our way. How can we find our way without it? We can't!
2 Timothy 3:14-15 But continue thou in the things which thou hast learned and hast been assured of, knowing of whom thou hast learned them; (15) And that from a child thou hast known the holy scriptures, which are able to make thee wise unto salvation through faith which is in Christ Jesus.So we see that the Scriptures have the inherent power to make one wise to salvation in Jesus Christ. Of course in a rebellious heart where no such light is admitted, the understanding will be dark, no matter how clear and bright the light. God must open and assist our understanding:
Acts 16:14 And a certain woman named Lydia, a seller of purple, of the city of Thyatira, which worshipped God, heard us: whose heart the Lord opened, that she attended unto the things which were spoken of Paul.And when the Lord so opens our heart, we do give heed to the apostolic testimony, just as Lydia did. In fact, if we are His sheep, strangers may come along and profess to be some mighty authority, claiming they have been granted the sole power of interpretation, like, as you say, Joe Smith and his magic glasses, or Rome, and you know what? God will protect us from that error:
John 10:2-5 But he that entereth in by the door is the shepherd of the sheep. (3) To him the porter openeth; and the sheep hear his voice: and he calleth his own sheep by name, and leadeth them out. (4) And when he putteth forth his own sheep, he goeth before them, and the sheep follow him: for they know his voice. (5) And a stranger will they not follow, but will flee from him: for they know not the voice of strangers.This of course only applies to those who are actually the sheep. Those among the flock who do not know or care for the voice of the true Shepherd will follow any old pretender into mischief, and so you will have much mischief in the world. So much so that the wheats and the tares (yes, I'm mixing the metaphors) cannot be separated until the end of the age, and then only under divine supervision. Simply inspecting the membership lists of one or another denomination would give a false answer to who the sheep are. They are those who hear the voice of the Shepherd, and will not follow another.
Indeed, Christians have the help of the Holy Spirit. But which Christians? You say that there is no Scripture prohibiting the attempt of the individual to understand Gods Word. There is also no express grant of that right. Believe it or not, Catholics are also urged to read Scripture in search of the truth, but we seed what you do not, that where that search is not curbed, then there is division. Indeed, even with curbing there is division. The devil has his agents at work inside the Church as well as out. God is righteous: he will keep his covenant. He will also help us to keep our faith as well. The ship will not sink, but someone must read the charts and who that is is the question.