Hello Tinus,
Thanks for pointing that.. It's not intentional. I copied the Business User form from some existing application, that might have caused this setting left over.. However, I have not seen any issues because of this setting..
Are you getting error for all the users or only few ? Try to change this setting to allow anyone to create document with form. and let me know if this sorts out the issue.. In the application, we are using XPages to create the document and not doing validation with the form, so logically, this Form property should not cause any issues. Also, I have not heard of this issue from anyone else.. and there are many successful implementation of this project.
If you still face the issue, let me know, and I can try to debug the same..