That utterance is heard by transactional attorneys on a regular basis. My analogy for a client is as follows:
A form is to a completed contract or set of contracts that properly allocate duties and risks as a pile of lumber, concrete, brick, and drywall is to a finished house. Between a load of raw materials and a finished home are various craftsmen, all working together to accomplish the goals of the homeowner.
The same principle applies to the work performed by counsel, appraisers, inspectors, title insurers, and lenders – these are professionals skilled in their crafts that need to work together to accomplish the goals of the clients.
Lesson to be learned, a seller finding a form on the internet equates to Joe and Jane Future Homeowner finding their local hardware store.