I am not sure why I need to set a breakpoint in VS, I wouldn't know where to put a breakpoint on the basis I have never looked at the source code. This is a plain and simple Community installation, and the only data in the standard, freshly installed, database, are some contacts and the user accounts we were in the process of setting up when we noticed this problem.
My concern is, if I am getting "extremely diffcult to debug" problems on a fresh installation, with no modifications, then maybe this is not the CRM system I should be using for my company.