OK - got it. 15 centuries of believers got it wrong, but along comes a misfit monk who can’t keep his libido in check, and has the SATORI to understand that there is no way to avoid a sinful life, and so comes up with sola fides and avoids all those messy mortal sins that Catholics keep track of. Yeah, I like the ease, the simplicity, the cake-and-eat-it-too!