This is the Protestant problem, always looking for chapter and verse. Again, I am not the expert you want me to be. You are asking the wrong person. As mentioned, all the answers to your questions are online. Do not ask someone who is not capable of giving you the answer you are looking for.

Going to God is better than just believing in the Bible alone imho. God is above the Bible, don't you agree? Or do you put the Bible above anything else even God Himself? Do you not pray at all? Do you not spend time with Him in prayer daily? Do you not pray even weekly at least? Not even fasting? If you only read the Bible and do not pray then why ask me for chapter and verse? Do you not trust God to reveal Himself and answer your questions? Even Jesus prayed so why can't you?

This simply means I do not place tradition or one mans words above Scripture.

I would rather point you to people you can read about but again, you just said you don't trust what any man says. I already said I am not the best person to answer your questions and yet you insist. No amount of explaining will suffice to you guys. That's just how Protestants are. Look up Blessed John Duns Scotus and check on his writings. But again even if I give you stuff to read you'd just scoff at it so what is the point of this conversation? Let us end it here because you will never be content with anything I say. 😁 If you say this is iron sharpening iron, then I hope you have also been sharpened by this conversation in some way. Again, may God bless your spiritual journey. 🙏

P. S. If you don't want to protect your family with prayer (and sacraments if Lutherans have 'em) and penance, that's your choice. I shared what dads can do for family protection and if you don't agree that's fine by me. Such info and reminders aren't for everyone especially those who don't agree God can protect their family in such a way. Sad but hey that's life.