Our contracts (i'll point out that our contracts are written by the Realtor Assoc, not the Real Estate Commission) have prewritten contingencies for Financing, Appraisal, Inspection, Title, Insurance, Termite, Disclosure, etc.
Our offers are the same. The seller should read a copy the offer before they sign the listing agreement so if any of these contingencies will be a problem for them they can put it in writing before they sign the listing agreement. If they don't and they refuse to sell because of a standard contingency then the seller is refusing to sell and owes the listing agent a commission.
When I write an offer on an MLS listing I need to know what terms the seller will accept. If the seller won't accept an offer per their terms as stated or not stated in the MLS, I will be expecting a commission. Our MLS only has a field for the loan contingency but there is always the broker's notes.
The strange part is watching listing agents roll over and letting their sellers do whatever they want as if the listing agreement is not a binding contract.