Catholics hold that the Holy Spirit will prevent one man from binding their whole church to believe heresy.
You're trying to say that the first claim makes sense and the second one doesn't? The second one is far more restrictive.
True, the Reformed have the problem that Luther opened the flood gates (unintended consequences) and today you have 10,000 flavors of Christianity , since after all, anyone can interpret the meaning of things on their own.
Of course the problem is that we are full of sin, and when we interpret the Bible ourselves, we tend to go off course. Even a theologian and someone dedicated to the faith needs a course correction from time to time.
With the reformed you end up with a lesbo female pastrix marrying other homo couples (of course): https://external-content.duckduckgo.com/iu/?u=https%3A%2F%2Fwww.thebostoncalendar.com%2Fsystem%2Fevents%2Fphotos%2F000%2F097%2F602%2Foriginal%2FNadia_Bolz-Weber_web.jpg%3F1474553427&f=1&nofb=1
Irony is, Luther was conservative (he wanted to expel some of the stuff that was wrong, like selling indulgences, requiring celibacy), he never wanted to break away form the Catholic church. The break transpired as usual, out of greed. Some (the power brokers in Northern Germany) saw a break with the church as a way to avoid having to pay Rome. If he saw what some of the churches bearing his name today preach... What sort of creatures are leading...