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In the 95 Theses, Martin Luther argued that indulgences undermined the true essence of repentance and faith, asserting that salvation could not be purchased or earned through monetary means. He emphasized that true forgiveness comes from genuine contrition and faith in God's grace, not through the sale of indulgences by the church. Luther also critiqued the exploitation of the faithful, highlighting how indulgences took advantage of the poor and misled believers about the nature of sin and redemption. Ultimately, he called for a return to biblical teachings and the core tenets of Christianity.

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