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"For nearly half a century, the Church was split into two or three obediences that excommunicated one another, so that every Catholic lived under excommunication by one pope or another, and, in the last analysis, no one could say with certainty which of the contenders had right on his side. The Church no longer offered certainty of salvation; she had become questionable in her whole objective form--the true Church, the true pledge of salvation, had to be sought outside the institution.

"It is against this background of a profoundly shaken ecclesial consciousness that we are to understand that Luther, in the conflict between his search for salvation and the tradition of the Church, ultimately came to experience the Church, not as the guarantor, but as the adversary of salvation. (Joseph Cardinal Ratzinger, head of the Sacred Congregation of the Doctrine of the Faith for the Church of Rome, “Principles of Catholic Theology,” trans. by Sister Mary Frances McCarthy, S.N.D. (San Francisco: Ignatius, 1989) p.196). http://www.whitehorseinn.org/blog/2012/06/13/whos-in-charge-here-the-illusions-of-church-infallibility/

Interesting thing for the "theological Einstein of the 20th century" to state! At least he was being honest.