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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: declaration of divine remission.
39. It is most difficult, even for the very keenest
theologians, at one and the same time to commend to the people
the abundance of pardons and [the need of] true contrition.
40. True contrition seeks and loves penalties, but liberal
pardons only relax penalties and cause them to be hated, or at
least, furnish an occasion [for hating them].
41. Apostolic pardons are to be preached with caution, lest
the people may falsely think them preferable to other good
works of love.
42. Christians are to be taught that the pope does not intend
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