Slightly...
There are a lot more non-phosphorous fertilizer options for lawns... as nitrogen is really what the turf grass wants - that is what makes it green.
The clover mix adds the nitrogen... so it reduces the need for additional.
Blooms are the effect of phosphorous...
The situation with the lakefront lawn is really more a matter of how well it slows a downpour reducing the amount of anything being carried into the lake.
That, and they can attract geese that love the salad with the sight line to shrubbery being far enough back to provide some protection from predation.
The geese will add manure with phosphorous that can be washed in.
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