This article analyzes the complex processes of modernization and individualization, as well as how the church has structurally fostered individualization despite its public criticism. First, the article demonstrates how modernization and individualization have gradually restructured human self-understanding into an economic image of humanity: the human person as homo oeconomicus. Second, this article examines the church's relation to modernity, and specifically its critiques of liberalism and economic individualism. However, the church has often generated the conditions and structures for individualization, and by extension the processes of acceleration and economization of the life-world that it criticizes. Three areas in intra-ecclesial discourse that foster individualization are examined: the interiorization of faith, ecclesial centralization and clerical bureaucracy, and the promotion of corporatism and digital immediacy. The article concludes by examining recent papal efforts at structural reform and the degree to which they address previously entrenched problems and point toward a renewed, non-economic anthropology.