Penance and Indulgences
Huge "turn off" for Martin. Penance and indulgences are something that the catholic believers practiced as a form of confession of their sins. Penance is a form of prayer asking for forgiveness and indulgences are praying on behalf of the dead's salvation from purgatory. They could be done as a form of doing a good deed for their sins. Now, they monetized the way of giving, which paved the way of buying off their sins. Pope XI came up with the idea that they could technically give money as a form of a good deed to confess the sins on behalf of the deceased. This led to people paying $$ and lots of $$ praying for the dead and making the institution all the more prosperous.
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