BUT...
Scripture isn't for personal interpretation.
2 Peter 1:20
Know this first of all, that there is no prophecy of scripture that is a matter of personal interpretation.
Some things in Scripture are hard to understand.
2 Peter 3:15-16
Our beloved brother Paul, according to the wisdom given to him, also wrote to you, speaking of these things as he does in all his letters. In them there are some things hard to understand that the ignorant and unstable distort to their own destruction, just as they do the other scriptures.
The Holy Spirit directs us toward teachers.
Acts 8:30-31
Philip ran up and heard him [the Ethiopian eunuch] reading Isaiah the prophet and said, “Do you understand what you are reading?” He replied, “How can I, unless someone instructs me?”
God has appointed teachers.
1 Cor. 12:28-29
Some people God has appointed in the church to be, first, apostles; second, prophets; third, teachers; then, mighty deeds; then, gifts of healing, assistance, administration, and varieties of tongues. Are all apostles? Are all prophets? Are all teachers?
"Why do Catholic replace the Holy Spirit with the "magisterium"? Or do they not individually have the indwelling?"
Catholics do not "replace the Holy Spirit" with the Magisterium (which means, authoritative teachers.) It is the Holy Spirit who inspires the teachers. It is God who appoints them in the Church, as Scripture says. It's not wise to resist being taught by God through the teachers He has appointed.
Every baptized person individually has the indwelling Holy Spirit. In fact, Jesus says God will send the Holy Spirit to ANYBODY who asks:
Luke 11:13
"If you then, who are wicked, know how to give good gifts to your children, how much more will the Father in heaven give the Holy Spirit to those who ask him?”
And here's where your argument breaks down. Because if you believe, as you must, that the Father in heaven has given the Holy Spirit to those who ask Him, then you have to believe that He has given the Holy Spirit to the 100 generations of Christians who came before you.
How do you, a single individual, set your judgment against that of the previous 100 generations of Spirit-indwelt Christians?
I do not accuse you of the particular errors found in the writings of the so-called "Gay Christians," but their argument is similar: they have interpretations of Scripture which contradict what all generations said before, and so what? They have careful word-study, and the indwelling of the Holy Spirit!
You know it's bogus, and I know it's bogus, but there's no way to prove it's bogus if you, like they, show scant respect for what was believed by the 100 generations of believers who came before you, who also asked the Father in Heaven for the gift of the Holy Spirit.
You appeal to the Holy Spirit as if the Holy Spirit kinda petered out at the death of the last Apostle, and then came back to guide the Church at 'round about 1530, or 1930, or --- well, what year were you born, CB?
You must have missed this part of the verse: "But as his anointing teaches you about all things". And you neglected to include verse 21 which shows the same Holy Spirit that gave the prophecy teaches.
>>Some things in Scripture are hard to understand.<<
"that the ignorant and unstable distort to their own destruction". Are Catholics mostly "ignorant and unstable"? Scripture was written that we might know.
1 John 5:13 These things have I written unto you that believe on the name of the Son of God; that ye may know that ye have eternal life, and that ye may believe on the name of the Son of God.
There are reasons for not understanding.
1 Corinthians 2:14 and the natural man doth not receive the things of the Spirit of God, for to him they are foolishness, and he is not able to know them, because spiritually they are discerned;
Ephesians 4:18 being darkened in the understanding, being alienated from the life of God, because of the ignorance that is in them, because of the hardness of their heart,
And there is a way to understanding.
Luke 24:45 Then opened he their understanding, that they might understand the scriptures,
2 Timothy 2:7 Consider what I say; and the Lord give thee understanding in all things.
It's the writings of scripture that we check what is being taught, NOT the other way around.
Acts 17:11 and these were more noble than those in Thessalonica, they received the word with all readiness of mind, every day examining the Writings whether those things were so;
>>The Holy Spirit directs us toward teachers.<<
See Acts 17:11.
>>God has appointed teachers.<<
See Acts 17:11
>>then you have to believe that He has given the Holy Spirit to the 100 generations of Christians who came before you.<<
If you are insinuating that those were in the Catholic Church you would be mistaken. The Holy Spirit would never, ever inspire to incorporat pagan beliefs and practices. He would NOT inspire to teach something the apostles didn't after inspiring Paul to write that anyone who taught something they didn't should be considered accursed. If you want to put your faith in those fallible men rather than what Jesus and the apostles taught that's up to you. I'll stay with what the apostles taught.
>>then you have to believe that He has given the Holy Spirit to the 100 generations of Christians who came before you.<<
See Acts 17:11
>>and then came back to guide the Church at 'round about 1530, or 1930<<
How absolutely arrogant to think that the Catholic Church was the only group of believers throughout history. It was the Catholic Church who many times in that history was the entity that persecuted true believers.
It is those who put the magisterium above scripture that refuse the counsel of the Holy Spirit and find scripture hard to understand. If they find scripture hard to understand perhaps they should read Luke 24:45 over and over to understand why.