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The excerpt represents the core issue or deciding factor on which you must meditate, and is drawn from Disputation of the Power and Efficacy of Indulgences by Dr. Martin Luther: by Christ's merit, are that treasure;
61. For it is clear that for the remission of penalties and of
reserved cases, the power of the pope is of itself sufficient.
62. The true treasure of the Church is the Most Holy Gospel of
the glory and the grace of God.
63. But this treasure is naturally most odious, for it makes
the first to be last.
64. On the other hand, the treasure of indulgences is
naturally most acceptable, for it makes the last to be first.
65. Therefore the treasures of the Gospel are nets with which
they formerly were wont to fish for men of riches.
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