The practice of indulgences led to a corrupt way of living a pure Christian life. However, the Bible teaches that God chooses people of righteousness and seeks no other characteristic of a person: "Blessed are those who hunger and thirst for righteousness, For they shall be filled" (Matt 5:6) and happiness in heaven cannot be bought with money but by faith. "Blessed are the pure in heart, for they shall see God" (Matt 5:8). This is a beatitude we must obey, in which contemplates whatever the eyes cannot see and the mind cannot grasp. There is no teaching that the money will buy us the happiness in heaven, after all, money is a tangible possession- not a spiritual. .
In the times of Luther, people had to pay money, as a way to pay off their debt to God for forgiveness- as the Pope had taught. It was then that people started to question the Catholic Church, and people started to discuss the 95 theses and sided with Luther. He gained a lot of support from many scholars and was recognised throughout Europe. But it could've been Luther's deep spiritual struggle as he was extremely conscience of his own personal sinfulness and feared God would condemn him to hell that could have contributed and perhaps reinforce his 95 theses. .
But even so, the world was undergoing a modern change where everything from technology to art was reforming, but the Catholic Church had failed to do so.
Luther was convinced that because of these indulgences, people had forgotten the message of Jesus in the Bible, the sacraments, faith, and charity, and it could explain why many, like Luther felt a need to breakaway, "which was the spark that ignited other outbreaks of reform throughout Europe." From this, the Lutheran Church was born, with some of its principal teachings Of Scripture- being the only source of belief and practice, Justification- .
Jean Calvin, a Frenchman had stumbled upon Luther's teachings. He underwent a religious conversion then broke the Roman Catholicism, which he had been brought up with.