@Chris, Thank you for the link...nice post. I do think, however, that most buyers have heard the arguments you present (and many have proffered) and they still are determined to take their own route...only to lament the process down the road.
@Leah, Thank you for the insightful viewpoint. I like your approach of "free commission" left on the table and I think you are on to something. I do not agree with the oft proclaimed motto of many agents of "hire me, you don't pay me...the seller does"; because (frankly) an inept agent who does not know how to negotiate the best deal for the borrower is actually COSTING the consumer XXX number of $$$ over the life of the loan. Your concept of "free commission" brings a 'you are in control, consumer' attitude and really properly conveys that they (the consumer) are really hiring their team (you and I) to represent them in the home buying process. Great job!