MichelleBh,  It seems that you're only referring to Customers.

I think the issue of having to handle Customers and Vendors separately is a serious one.  For example, I have a number of people that act as both - and I need to have a mechanism by which I can address both entities appropriately.

As an example, I have artists that rent my equipment to make things, and then allow me to sell some of those things that I, in turn, pay them for.  Of course, I can do a Purchase Order to convert to a Bill for things I've bought from them, and I can also enter "-" value items to the PO for what they need to pay me for - but those "-" value items do not transfer to the Bill.  I also realize that I can create a Vendor Credit to deduct those same items from what I pay them, but I can't email - or even print - the Vendor Credit to submit to them! 

The only other option I can think of is to create an Invoice to address the items they owe me money for - but that involves creating an entirely separate entity to send the Invoice to. How do I track both the Bills and Invoices for the person in a way I can send them some sort of summary?  I know all sorts of ways of creating accounts and moving the money around using journal entries and all that, but I need the data in a form I can send to them.  I don't think I should be reduced to using screenshots for this!