Gosh, some people can be very strident.  "Just don't use nulls!" ?  Really, show me the db that can be guaranteed to have a value in every row, every column.  Some people don't have a 2nd address line ... some people don't have a middle name ... And numerically "no value" means 0.00, not null, anyway.  Simple really. 

Or are you advocating that for text "no value" should always be a blank, not a null?  I'd like a detailed answer on the overall impact that has, especially on a large database. 

It just sounds to me like some people have got tripped up by nulls in the past and now harbor serious grudges against them.