Some various tidbits in regard to the historicity of this discussion in regard to indulgences:
Some scholars see Luther being troubled by indulgences as early as 1515 (Boehmer, for example). There are two sermons from Luther still extant previous to the 95 Theses in which Luther voiced his concern with indulgences (Oct. 31, 1516; Feb. 24, 1517).Oberman mentions Luther denouncing indulgences in 1514 “in the university lecture hall” (
Luther Man Between God and the Devil, 191).
Actually, quite the opposite. It was the
sense of security that the indulgence were bringing and that those who bought them had no reason afterward to strive for piety or a moral life. See Boehmer,
Road To Reformation, pp. 178-181 for a full discussion.
Later as the indulgence controversy progressed, Tetzel did explicitly say indulgences “
served solely in the case of punishment of sins that had been repented of and confessed”, but his instructions for preaching during the period in question read “outside for punishment of sin, of the
plenaria omnium peccatorum remissio, and without repenting one could buy an indulgence upon the presentation of which any promiscuously chosen priest was forced once during lifetime and in the hour of death to grant to the professor for a general absolution” (
source).
For an interesting look at one of Tetzel’s sermons,
see this link. It appears to me that at times Tetzel may have preached that indulgences were only beneficial for those who were penitent and had confessed their sins. What the people heard though appears to be something quite different.
Of interest is
the instructions issued by Archbishop Albert that authorized the sale of these indulgences in Germany. Note it says, “
Everyone who is contrite in heart and has confessed with his mouth…”
"the complete remission of all sins…" “for those souls which are in purgatory, and is the complete remission of all sins…” etc.