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In Chapter Two, Manchester note that four years before the Reformation began, the Catholic Church began to sell indulgences to an unprecedented extent. Tickets to get loved ones out of purgatory, poor people would spend fortunes in an attempt to aid those they believed suffered beyond the grave. This turned the Church into a money machine and continued to enable Popes to live liked Roman Emperors. The Vatican remained unmoved by its own corruption and even commissioned Johann Tetzel, a "medieval P.T. Barnum" to collect fees for indulgences across the German countryside. Frederick the Wise, one of the electors of Germany (the elector of Saxony specifically) thought the sale of indulgences was an affront to go order, redistributing money from Germany to Rome. His prized theologian, Martin Luther, was similarly disgusted when he judged the indulgences to be inauthentic frauds. When Tetzel heard of Luther, he decided to try to intimidate him by formally denouncing him. This was the most famous misjudgment of Luther and it kicked off the ultimate unraveling of the medieval world.

Source(s)

A World Lit Only by Fire: The Medieval Mind and the Renaissance: Portrait of an Age