At the opening of the sixteenth century, many bishops and abbots in wealth and power were not unlike great lay lords: they held vast fair dominions—in the Germanics a third of the whole country, in France a fifth, etc.—and they were attended by armies of retainers. Most of them were sons of noblemen who had had them consecrated bishops so as to insure them fine positions. Even the monks, who now often lived in rich monasteries as though they had never taken vows of poverty, were sometimes of noble birth and quite worldly in their lives. The large estates and vast revenues of Catholic ecclesiastics were thus at first the lure and then the prey of their royal and princely neighbors. The latter grew quite willing to utilize any favorable opportunity which might enable them to confiscate church property and add it to their own possessions. Later such confiscation was euphemistically styled "secularization."

On the other hand, many plain people, such as peasants and artisans, begrudged the numerous and burdensome ecclesiastical taxes, and an increasing number felt that they were not getting the worth of their money. There was universal complaint, particularly in the Germanies, that the people were exploited by the Roman Curia. Each ecclesiastic, be he bishop, abbot, or priest, had right to a benefice, that is, to the revenue of a parcel of land attached to his post. When he took possession of a benefice, he paid the pope a special assessment, called the "annate," amounting to a year's income—which of course came from the peasants living on the land. The pope likewise "reserved" to himself the right of naming the holders of certain benefices: these he gave preferably to Italians who drew the revenues but remained in their own country; the people thus supported foreign prelates in luxury and sometimes paid a second time in order to maintain resident ecclesiastics. The archbishops paid enormous sums to the pope for their badges of office (pallia). Fat fees for dispensations or for court trials found their way across the Alps. And the bulk of the burden ultimately rested upon the backs of the people. At least in the Germanics the idea became very prevalent that the pope and Curia were really robbing honest German Christians for the benefit of scandalously immoral Italians.

There were certainly grave financial abuses in church government in the fifteenth century and in the early part of the sixteenth. A project of German reform, drawn up in 1438, had declared: "It is a shame which cries to heaven, this oppression of tithes, dues, penalties, excommunication, and tolls of the peasant, on whose labor all men depend for their existence." An "apocalyptic pamphlet of 1508 shows on its cover the Church upside down, with the peasant performing the services, while the priest guides the plow outside and a monk drives the horses." It was, in fact, in the Germanics that all the social classes—princes, burghers, knights, and peasants—had special economic grievances against the Church, and in many places were ready to combine in rejecting papal claims.

This emphasis upon the political and particularly upon the economic causes need not belittle the strictly religious factor in the movement. The success of the revolt was due to the fact that many kings, nobles, and commoners, for financial and political advantages to themselves, became the valuable allies of real religious reformers. It required dogmatic differences as well as social grievances to destroy the dominion of the Church.

[Sidenote: Abuses in the Catholic Church]

Nearly all thoughtful men in the sixteenth century recognized the existence of abuses in the Catholic Church. The scandals connected with the papal court at Rome were notorious at the opening of the century. Several of the the popes lived grossly immoral lives. Simony (the sale of church offices for money) and nepotism (favoritism shown by a pope to his relatives) were not rare. The most lucrative ecclesiastical positions throughout Europe were frequently conferred upon Italians who seldom discharged their duties. One person might be made bishop of several foreign dioceses and yet continue to reside in Rome. Leo X, who was pope when the Protestant Revolt began, and son of Lorenzo de' Medici, surnamed the Magnificent, had been ordained to the priesthood at the age of seven, named cardinal when he was thirteen, and speedily loaded with a multitude of rich benefices and preferments; this same pope, by his munificence and extravagance, was forced to resort to the most questionable means for raising money: he created many new offices and shamelessly sold them; he increased the revenue from indulgences, jubilees, and regular taxation; he pawned palace furniture, table plate, pontifical jewels, even statues of the apostles; several banking firms and many individual creditors were ruined by his death.

[Sidenote: Attacks on Immorality of Clergymen]

What immorality and worldliness prevailed at Rome was reflected in the lives of many lesser churchmen. To one of the popes of the fifteenth century, a distinguished cardinal represented the disorders of the clergy, especially in the Germanics. "These disorders," he said, "excite the hatred of the people against all ecclesiastical order; if it is not corrected, it is to be feared that the laity, following the example of the Hussites, will attack the clergy as they now openly menace us with doing." If the clergy of Germany were not reformed promptly, he predicted that after the Bohemian heresy was crushed another would speedily arise far more dangerous. "For they will say," he continued, "that the clergy is incorrigible and is willing to apply no remedy to its disorders. They will attack us when they no longer have any hope of our correction. Men's minds are waiting for what shall be done; it seems as if shortly something tragic will be brought forth. The venom which they have against us is becoming evident; soon they will believe they are making a sacrifice agreeable to God by maltreating or despoiling the ecclesiastics as people odious to God and man and immersed to the utmost in evil. The little reverence still remaining for the sacred order will be destroyed. Responsibility for all these disorders will be charged upon the Roman Curia, which will be regarded as the cause of all these evils because it has neglected to apply the necessary remedy." To many other thoughtful persons, a moral reformation in the head and members of the Church seemed vitally necessary.

Complaints against the evil lives of the clergy as well as against their ignorance and credulity were echoed by most of the great scholars and humanists of the time. The patriotic knight and vagabond scholar, Ulrich von Hutten (1488-1523), contributed to a clever series of satirical "Letters of Obscure Men," which were read widely, and which poked fun at the lack of learning among the monks and the ease with which the papal court emptied German pockets.

[Sidenote: Ulrich von Hutten and Erasmus]