Answer:
As articulated in his 95 Theses, three of the problems that Luther had with selling indulgences are as follows:
1. He did not want the people to mistakenly believe the Pope's indulgence was better than other forms of charity (I'm guessing this refers to a similar to God; not committing adultery through this medium).
2. He believed that buying indulgences does not improve the quality of man; rather, man only becomes more selfish by buying indulgences.
3. He asserted that man, unless he is rich enough, can save his money to spend on more important things than indulgences (he encouraged people not to 'throw away' their money on indulgences).
Step-by-step explanation:
Read theses 41 -- 47 for more