So, while there may be a delayed payment, we believe the vast majority will pay because they know even a late payment will harm their credit for years.

Your point that the lack of barrier does more harm than good has been made.  

I can't even get them to come to the property unless someone is being harmed or is in immediate danger.  

If you are investing in your 401k as a compliment to your real estate investing, that is one thing, but saying a 401k is the best way to increase your net worth is harming to newbies.For one, you can only contribute $17,500 per year to a 401k.  

Most of those documents do not have information that can be harmful.

Who would've thought that a bill written by the big banks to protect the big banks and their government sponsors would harm small financial institutions and individual citizens?

Make sure you discuss and write down as much of the details and terms as you can to avoid harming the relationship if the business does not go as planned.

There's no harm in an extra 5 days.

Landlord additionally points out that he did rent to Bob and at the current market rents, so therefore Bob was not harmed or discriminated against.

If you just don't pay rent, even with notice that it's due to repairs needed, you're likely not protected from landlord starting eviction, which could harm you in looking for your next place.