Part 1
So assembly-line thinking by all, and observance of Christianity/Catholicism only one way IS how God wants us to operate?  NO, NOT EVER!  The issues that shocked Luther were major scandals in the Church.  It began when indulgences were SOLD to the people of Germany.  This was because Pope Leo X [a Medici] didn't have enough money to build the current St. Peter's Basilica.  Leo didn't know how to handle money.  BUT he was clever enough to look up somebody else who couldn't handle money either.  He looked at wealthy Germany and found Archbishop Albert of Brandenburg [who was also a poor steward of money].  Albert was in arrears on his financial obligations to Rome.
Leo proposed a deal.  He authorized a campaign in Albert's diocese to grant plenary indulgences.  For purchasing indulgences, Catholics would be promised in a papal document that all of their sins would be forgiven and all time in purgatory for those sins would be remitted.