Those preachers of indulgences are in error, who say that by the pope’s indulgences a man is freed from every penalty, and saved; . . . If it is at all possible to grant to any one the remission of all penalties whatsoever, it is certain that this remission can be granted only to the most perfect, that is, to the very fewest.

It must needs be, therefore, that greater part of the people are deceived by that indiscriminate and high sounding promise of release from penalty.
—Martin Luther, “Disputation of Doctor Martin Luther
on the Power and Efficacy of Indulgences” (95 Theses)

According to Luther, who might be freed from all penalties of sin?
a.
people who buy indulgences
b.
people who are perfect
c.
anyone who prays hard enough
d.
everyone with faith in God