Luther's initial stimulus for formulating the ninety-five theses was

Luther was very much against the practice of indulgence, which granted pardon for certain sins if the people paid the church. He felt that it was wrong to relieved and forgiven by God through a monetary based contribution. Also, he felt that the Pope did not carry the right to grant a pardon for people, and that they should have to undergo the same steps towards repentance just like everyone else.