But as a buyer I am entitled to protect my earnest money to the best of my abilities and so there is no harm in doing that.

Using your own cash, over and over, is excellent.Here are some different types of "Cash" or cash-like substances you can use, and how I would rate them and why:1 - Cash - Use it, and it can be one of the best ways to invest.  

If the contractor (or in this case the turnkey company) provides a complete breakdown, what harm does it do them?

In any case, if you think it is a meth-lab the right thing to do is go ahead and have it inspected so you do not harm others or yourself. 

It's harmful to adults too, not just kids.

If the lender calls the note due, you simply undo the owner-financing, and go back to how it was, no harm done.

The  most likely harm that will come with a bad contract is you will lose a deposit or a deal.

Most of my tenants have children and I have never found that to harm my business. 

Am I going to learn or re-learn truly useful stuff, like the above for how to help mothers with newborns get a right-sized house for the expanding family (which incidentally might benefit Quinton the REI in a bad HML), or is it going to be a bunch of useless mind-numbing junk that makes me want to contemplate self-harm?

-Would there be a way to purchase gold using Loan B funds without harming my ability to deduct the interest?