The Religion Guy raised the above question and answers it with a few thoughts upon the 500th anniversary of the Protestant Reformation.
This vast, ongoing split in Christianity involved theology and spirituality, but as a journalist The Guy [disclosure: a lay Protestant] will emphasize culture. The uproar originated on October 31, 1517 (All Saints’ Eve), when Martin Luther issued his “95 Theses.” Matters evolved from there into a sweeping assault on the papacy and the Catholic Church.
Historians debate whether the tempestuous Wittenberg professor actually posted this protest on the legendary door of the town church or simply distributed it. Whatever, Luther sent a copy to the Germans’ most powerful churchman, Archbishop Albrecht, who fatefully referred it to the Vatican for scrutiny.
The “Theses” decried lavish sales of “indulgences” from the church’s “treasury of merits” to lessen punishments due for sins of the living and of the dead in Purgatory. Rid of corrupt money-raising, indulgences still operate in 2017 (per “Catechism of the Catholic Church” #1471 – 1479).
The indulgence money was supposed to fund construction of St. Peter’s Basilica in Rome. But Albrecht skimmed off half the proceeds to repay a loan of 23,000 ducats he used to purchase leadership of Germany’s most lucrative diocese -- at age 23! When Luther faced Catholic derision for violating his monk’s vows and marrying, he told Albrecht to end his unwed sexual partnership!
In other words, late medieval Catholicism had some problems. Nonetheless, was this split necessary?