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“Indulgences started out as an aid to penance but ended up as a tool of enrichment for the entire Catholic Church. This system was especially abused by Friar Johann Tetzel, who is credited with issuing indulgences for not just living Christians, but also for their dead relatives. "When a penny in the coffer rings, a soul from Purgatory springs," Tetzel was known to say. Tetzel's exuberant act of greed was the breaking point for Martin Luther, the Catholic responsible for startingthe Protestant Reformation.”

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