How did luther’s ideas lead to break with the church and to a new faith

Luther's ideas lead him to break with the church and to a new faith.  Martin Luther did not agree with some of the practices and teachings of the Roman Catholic Church, for example, he rejected "indulgence", which was a practice used by the Roman Catholic Church to reduce the punishment one was supposed to undergo for sins.  He wrote his Ninety five Theses of 1517, where he discussed this practice.  Pope Leo X asked him to renounce to all of his writings but he refused, he was excommunicated by the Pope and condemned by the Holy Roman Emperor Charles V.  Luther believed that the only source of divine knowledge from God is the Bible, he thought that the bible should be translated from Latin vernacular languages so that it could be understood by everybody.  He translated the Bible to German.  All of his ideas were rejected and prohibited by the church. His beliefs led him to break with the church and start what he called the Christian or Evangelical faith, now called Lutheranism.

b)

it created free trade throughout the colonial territories.

it is based on the same philosophy as health insurance