Luther was a sad, troubled man who saw severe problems of the Church in his day, and if the stupid men in charge had fixed them, Luther wouldn't have gone on to destroy Christendom and create his own church--which split immediately, and has been splitting ever since. The clergy at the time were abusing indulgences, but the above description is not what they are. We still have indulgences. And the Counter-Reformation not only fixed those problems, but it created many news saints and a great flowering of faith, art, architecture, and scholarship that lasted until a few decades ago.