Stacy has asked some pertinent questions in the last few posts and I will address these. Long-standing members have seen this before, but understanding this is critical to success in this hobby.
Unfortunately, anyone with the money can set up a website and promote him/herself as some sort of "expert." There are also a number of long-standing myths in this hobby that have been well and truly refuted over the past several years but they still get repeated. I only listen to those trained biologists, ichthyologists, microbiologists, and highly experienced (though non-scientifically trained) individuals.
All substances added to the water in the aquarium get inside the fish. Water is continually entering through the cells via osmosis as well as at the gills, getting into the fish's bloodstream. If anyone thinks something like Excel is "safe" for fish, I suggest they fill a syringe and inject it into their bloodstream and then tell me it is safe. It is not safe for fish nor humans. Same holds for water conditioner (if overdosed), liquid plant fertilizers, and all the other products the industry tells us we should be adding to the water. Some of these are needed, but always use less not more to achieve the goal, and as few as possible.
Water and nothing else is what fish live in, and the more water changes the better. Water changes are a prevention, but they also can be a cure for many problems. Yes there may be a CO2 imbalance; those tiny bubbles on every surface after a water change are generally CO2, and this depends upon the amount of dissolved CO2 in the tap water. It is not harmful to fish provided you have good surface disturbance, because it is at the surface where oxygen enters the water and CO2 can be driven off. In tanks with plants the CO2 is more rapidly used (depending upon plant species and numbers), and it is not uncommon to see "pearling" as a result; this is what we term the tiny bubbles that are emitted from the plant leaves as a steady stream [very different from the stationary CO2 bubbles] which are pure oxygen that is a by-product of plant photosynthesis and with the increase in CO2 can result. All good. And water changes will never shock fish provided the parameters (GH, pH and temperature here) are reasonably similar between tank water and tap water.
Nitrate. Like ammonia and nitrite, nitrate is poisonous to fish. Nitrate however takes much longer to act, and it depends upon the level of nitrate and the fish species. I went into this discussion with my friend Neale Monks a while back, and he said we should generally recognize that nitrate is slowly weakening the fish, and this leads to stress and other issues, more than there being a specific immediate effect. Nitrate at 20 ppm (using our basic aquarium test kits) is as high as it should ever be, and some fish like cichlids will begin having serious issues at this level. Keep it as low as possible. This brings up the point about the source...if it is in the tap water that is one issue (with its own methods to remedy); if it is occurring solely from within the aquarium, that should be easy to remedy--overstocking fish (numbers, also non-compatible species), overfeeding, insufficient water changes, inadequate substrate cleaning, insufficient filter cleaning--all these contribute to nitrate.
If the substrate is causing nitrate to increase, get rid of it, or remove the fish. There are many aspects of planted tanks that are frankly detrimental to fish. Adding CO2 (by diffusion), over-dosing nutrients (like the "Estimated Index" method), certain plant substrates, intense overhead light--all these are harmful to fish. People who say they are "safe" obviously define "safe" as meaning the fish do not turn belly-up within minutes. But the fish are still being negatively impacted, making their life more difficult, and that weakens them again leading to other issues that otherwise should never occur.
I think I've covered the questions, but feel free to question further.