Did you know that though you consider doing so when confronted by the challenging theology of others pious, you actually undermine and falsify them by patronizing their faith and position.
This actually leads to the opposite of what you probably thought, you're helping the secularization of Christianity all together.
If theology falls into the fallpit where there's no room for challenges and/ or need for good reasons to uphold doctrine and normative theology without being ostracized, then in the end Christianity will end up as a private matter, a faith where everyone claim orthodoxy in their interpretation of scripture and no theology is open for discussion.
If all Christians saw theology this way then we'd face a completely privatised and secular, subjective religion.
The reason why this is the case?
If no-one's allowed to question any part of what constitutes your faith in God then the door into a fruitful theological discussion is forever closed.
So, to all you in here (and there are several of you) who seek to toss your own subjective interpretation of scripture on others and do your best to strangle discussion by claiming superior insight in scripture.
You end up in that ditch, you run the errand of the world, a world who seek to undermine Christianity and shatter the faithful and spreading them around, cut of the rest of the Christian world. The world wants to see Christianity torn apart and privatised to the level where even evangelizing people will be ilegalised.
Sola Scriptura with every man as interpreter can easily be the end of Christianity as a cultural and moral voice in a increasingly anti Christian world.
I hear what you have said, and it makes a lot of sense. Here is my problem with it:
My own Church, the Catholic, tortured and murdered tens of thousands of people (maybe more) over centuries, for their refusal to submit the authority of the Church on various matters. This was not resolved by the Church "changing its mind", but through a massive European civil war - the wars of the Reformation - that killed a third of Germany, and that ultimately ended with the state assuming supervisory powers over the Church's power to kill. The Church was never persuaded theologically to back down from its positions, it was forced down and neutered by external authority. Old news? In present day news, tens of thousands of children, heavily skewed towards young boys, were raped and molested by the priesthood over the course of decades and decades, and the Church had no internal mechanism to see it or address it. Once again, it was not theological authorities or persuasion or anything "Of the Church" that changed this, it was the power of the civil police and prosecutorial services, in country after country, that, once again, had to move in and forcibly impose order upon many of the clergy. The Church hierarchy, for its part, served (and to an extent still serves) to protect many individual clergymen, and the financial resources of the Church, from fully bearing the responsibility for these crimes and sins.
Simply put, the Catholic Church has proven itself over the course of centuries to be untrustworthy with power, and unable to supervise itself. When left to its own devices, it resorts to power and claims of authority to silence criticism and obscure crimes. THAT is why the Catholic Church cannot be wholly trusted, and why people cannot seriously cede their final authority to judge things to the Church. Those who were too trusting of the Church in modern times had their children raped.
Now, that's the way it IS, and there is no sugar coating it. And it's WHY your plea - to simply cede authority and ground to the institutional Church - does not work. The Church has already failed so spectacularly and terribly, over so many centuries, that it's impossible for thinking people to trust it. Catholics still listen to it, and reason out what the Church teaches, but gone - long gone - is the notion that the Church is deeply invested with supernatural wisdom and even perfection. We have ALL seen that this is not so, and we've seen what happens to people who trust it too much: they get raped, and the Church defends the rapists! This is so, and it cannot be gainsayed. It is the REASON why your suggestion cannot work for Catholics: our church is not good enough in its behavior over centuries to be granted that sort of final authority over us that would be required for your ideology to work, for Catholics.
The moral flaws and murderous behavior is mirrored in the Protestant Churches also. The old ones - Lutherans, Anglicans, Presbyterians, older forms of Calvinist Reformed, tore a swath of bloody hell and burnt flesh across Europe on their side of the wars of the Reformation. Nobody excuses the Catholics for what they did, other than some Catholics who turn a blind eye to it, but few hold the old Protestant Churches to the same standard and point out their utter barbarity and rotten fruit: 100,000 "witches" burnt in Germany, 20,000 burnt by the Kirk in Scotland, the killings of Catholics - particularly clergy - all across England for the "treason" of remaining Catholic, the bloody depredations of the Presbyterian "plantation" in Ireland, and Cromwell's barbaric campaigns there. It is very bad stuff, every bit as bad as what the Catholics are (properly) accused of doing in those days. And this, mind you, was all intellectually led and justified by the INSTITUTIONAL churches. It was not individuals running off with their own interpretations, but whole movements led from the top.
Anabaptists and "low church" evangelicals, in Europe were mostly victims, not predators, but in America, the largest Baptist group, the Southern Baptists, bear that name because they were staunch, stubborn theological defenders of black slavery and segregation. They have since modified their theology, but that stinking fruit of theological evil was not the brainchild of some individual minds running amok: it was the spiritual position of the largest Protestant Church in America.
Similiarly, in the 1970s the Mormon God changed his mind about black people, and suddenly it was no longer theologically correct to exclude them.
All of these crimes against humanity were perpetrated from the TOP of the Church downward. They were not local symptoms of individuals breaking free of authority. It was Top Down evil - the very top to which you urge we look.
Swimming against this tide is one counterexample. One. Single. Counterexample. One church that came out of the Reformation Era that came to have substantial size that never murdered people over religion - not ever - that always opposed slavery, that never justified predations against American Indians for their land. And THIS particular Church literally has no organized theology at all. Everything is left to the individual moved by the Holy Spirit. They are not "Bible Alone" - the Bible is not their go to, the Holy Spirit is, on an individual level. They make no major decisions without unanimity, and they wait for it, discussing things, calling on the Holy Spirit to "cover" them in their meetings. The only old Christian sect with NO blood on their hands, at all, is the Quakers, and they are the very antithesis of "turn to Church authority" that you suggest. Their fruit has been pretty good too: they brought down slavery in the British Empire, considered men and women equal centuries before anybody else did, and are even the source of the "single pricing" system we have in our commerce today (as opposed to the "Arab bazaar" haggling style of commerce which was the way it was done before). Because the Quakers could always be counted upon to give the same price to all, people quickly learned that they could send children or mentally weak farmhands to go buy supplies from the Quaker merchants - something that could never be done with other merchants: they'd rob the weak-minded blind in the haggling. The Quaker one-price-for-all, great or small, approach was HIGHLY OFFENSIVE to everybody else in commerce at the time, and all sorts of efforts were made to outlaw it and crush it out. It won out because customers everywhere overwhelmingly favor it. Now it is the norm. Thank the Quakers for that.
In terms of BEHAVIOR, the Christians who are farthest from your model: the Quakers - who individually rely entirely upon direct revelation from the Holy Spirit, and collectively wait on the Spirit to give them unanimity - are by far and without question the most Christian of all of the Christianities. There is no other Christianity of the 16th Century Era of any substantial size that has a track record that doesn't include murder and oppression. And yet the Quakers are not only not beholden to a Church hierarchy for their theology, they are not Sola Scripturalists either. They are, for all practical purposes, Spirit Alone people, on an individual level - with neither organized church nor written Scripture as final authority. The individual himself, listening directly to God speaking to him through the Holy Spirit, is the final authority of every aspect of the faith. The purpose of the "Meeting" - where they traditionally sit in silence, with no preacher and no sermon and no readings, only rising as individuals to speak "when the spirit moves them" - is for the Spirit to move many of them to a common purpose, and thereby be able to collectively move to help people.
And THAT approach, the utter antithesis of what you have said, has brought more practical benefit to the world (the end of slavery in the British Empire, women's suffrage, the single pricing system), without any of the moral authority-killing murder and torture, than any other Christian Church of any since in Western Europe or the Americas in the 16th Century.
"You will know them by their fruits", Jesus said. The Quakers have, by far, the best fruit of any Christianity of the last 500 years. And they have no murders to their Church's discredit. That's the most powerful counter-argument I would make to what you have said.
The organized, institutional Churches that rely on turning to theologians for final authority have an abysmal track record of injustice and sin and have produced some fruit so bad that one has to draw lines under history and say "But we're DIFFERENT now."
The Quakers don't have to do that, and they have no final theological authority in their church at all, neither a body of men NOR the Bible. Just God speaking to them individually.
Judged by outcomes, that seems to be the best way. Take book and building out of it and have individuals turn to God and call upon him, with no authority to bind each other at all, only the ability to persuade, as the same Holy Spirit moves from mind to mind.
Judged by the fruit, and by the comparative track record of violence and sin, it is impossible to gainsay the Quaker approach.
Because of the bitter fruit of the past 500 years, it is likewise impossible to place ultimate faith in the wisdom of theologians in the church hierarchies, because the results have been so bloodyhanded and evil, over and over again. It works for transmitting organizational power. It does not, however, work at transmitting the peace of Christ.
Essentially - I have heard your argument, but I must respectfully dissent. The Quakers are the proven best model for approaching God. Our own Church has really made a hash of it, and still can't get out of its own way. The more Quakerlike we all become, the better.