One aspect of the Reformation I had not thought of until recently was the role of increased literacy at the time. It was not only Martin Luther who knew things were wrong but a growing percentage of the laity. For a thousand some years only a small slice of the elite had access to the written word. When literacy and the printing press began to infiltrate the broader society, things inside the clergy club started to change.
To understand the archaic rules inside the Catholic Church, we need to remember they were drafted at a time when only 1% of the population was literate. Thus, the rule the clergy only, not the laity, is qualified to interpret the written word which is also the will of God. As long as few could read this worked well for the clergy. Who could argue indulgences were wrong if he/she was illiterate. Martin Luther criticized other Catholic clergy, but the general public was ready to go after them too.
Clergy, both Catholic and Protestant, held onto the reins of power even after the Reformation by claiming they were better trained and knew more than the laity. The computer, followed by the smart phone, has had the same effect on these reins of power as the printing press did at the time of the Reformation. Laity now has access to historical and analytical religious material previously only available in seminary libraries. People are leaving denominations.
Perhaps this is only the beginning of Reformation II.