We submit these pre-approval documents along with the offer. We want the seller to think the buyer walks on water. The seller knows that, 30 days down the road, the buyer won't back out because he can't qualify for the loan.
Procuring cause should simply go away. It's an antiquated system. Buyer agents should earn their fee according to the contractual agreements they enter into with buyers. We need to have honest, contractual agreements on both the buyer's side and the seller's side.