Before the homeowner turns up the thermostat, before the HVAC contractor installs the equipment, and before you place the loops and grout the borehole, there is Step 1: the drilling of a good hole that stays open and allows for the loop to be installed to the required depth.
Since 2005 with my current employer and before that working for distribution, I have heard the “I drill with water only” conversation. To a new territory or distribution person, this argument leans toward the driller as his record is on his side. Sooner or later that lucky driller won’t be so lucky.