In this environment, anything that stalls the predatory merchant will not live. The buyer beware era is moving back upon us. In some cases, it's good. But I've read many freeper stories, some very intelligent and knowledgeable folks, that have been sucked in by the small print or overly agreesive tactics of some credit lenders. Unfortunatley, you can't do due dilligence on everything, otherwise you'd never be able to do a transaction. There needs to be some moderation on both sides.
Actually you can ... it's called cash.