Wrong, it was written very early on. It was within 17 years of Jesus death, and then they had the apostles. They did not have to wait centuries for your institution to work out what was scripture. So the letters of the apostles and gospels were being circulated very quickly among the early believers. No need for your institution.
Amen Balshan! The religion of Jesus Christ is a religion of a personal relationship to God and has nothing to do with possessions. Professional Christianity such as Roman Catholicism is a religion of possessions that are assigned to God. The disciple realizes that his life does not consist in he abundance of things he possesses, because what we possess often possesses us - Roman Catholicism is possessed by possessions.1 John 2:15+
Do not love the world or the things in the world. If anyone loves the world, the love of the Father is not in him. For all that is in the world—the desires of the flesh and the desires of the eyes and pride in possessions—is not from the Father but is from the world. And the world is passing away along with its desires, but whoever does the will of God abides forever.