Why were the Cathars declared heretical, while the Franciscans, who were also concerned about the excess of wealth, were not?

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The Cathars were declared heretical primarily because they challenged the legitimacy and spiritual authority of the church hierarchy, a stance that directly threatened the power structure of the Catholic Church. Unlike the Franciscans, who worked within the church's framework and sought reform without denying its fundamental structures, the Cathars rejected the church's spiritual authority, leading to their persecution.

Why Were the Cathars Declared Heretical, While the Franciscans, Who