Here is a simple proof of concept - I generated the output based on this test program (before the output):

LOCAL lcFields, lcValues, lcTable, lnFields, lnI, lcOutput
LOCAL ARRAY laFields[1]
CLOSE DATABASES ALL 
#define CRLF CHR(13) + CHR(10)

CREATE CURSOR csrTables(TableName C(20))

INSERT INTO csrTables VALUES ('ItemTreeLog')
INSERT INTO csrTables VALUES ('WebPages')
lcOutput =''
lcTable = ALLTRIM(TableName)

SCAN 
  USE (m.lcTable) IN 0 ALIAS WorkTable
  lnFields = AFIELDS(laFields, 'WorkTable')

STORE '' TO lcFields, lcValues

FOR lnI = 1 TO lnFields

   lcFields = m.lcFields + IIF(EMPTY(m.lcFields),'',', ') + CRLF + laFields(m.lnI,1)
   lcValues = m.lcValues + IIF(EMPTY(m.lcValues),'',', ') + CRLF + '?' + m.lcTable + '.' + laFields(m.lnI,1)
NEXT

TEXT TO lcOutput TEXTMERGE NOSHOW additive
   USE <<m.lcTable>>
   SCAN 
   <<'TEXT'>> TO lcInsert NOSHOW
      INSERT INTO <<m.lcTable>>
      ( <<m.lcFields>>
       )
      VALUES 
      (<<m.lcValues>>
       ) 
   END<<'TEXT'>>
   
   SQLCONNECT(hConn, m.lcInsert)    
   
   ENDSCAN
   
   
ENDTEXT    
USE IN SELECT('WorkTable')
SELECT csrTables
lcTable = ALLTRIM(csrTables.TableName)
ENDSCAN     
    


_cliptext = m.lcOutput

*** OUTPUT ***

   USE WebPages
   SCAN 
   TEXT TO lcInsert NOSHOW
      INSERT INTO WebPages
      ( 
VERSION,
FILENAME,
CONTENTS
       )
      VALUES 
      (
?WebPages.VERSION,
?WebPages.FILENAME,
?WebPages.CONTENTS
       ) 
   ENDTEXT
   
   SQLCONNECT(hConn, m.lcInsert)    
   
   ENDSCAN
   
      USE ItemTreeLog
   SCAN 
   TEXT TO lcInsert NOSHOW
      INSERT INTO ItemTreeLog
      ( 
DATE_TIME,
METHOD,
MESSAGE,
SALESPOINT,
OPERATOR,
CODE,
LONGMSG
       )
      VALUES 
      (
?ItemTreeLog.DATE_TIME,
?ItemTreeLog.METHOD,
?ItemTreeLog.MESSAGE,
?ItemTreeLog.SALESPOINT,
?ItemTreeLog.OPERATOR,
?ItemTreeLog.CODE,
?ItemTreeLog.LONGMSG
       ) 
   ENDTEXT
   
   SQLCONNECT(hConn, m.lcInsert)    
   
   ENDSCAN

>>>I agree with everything you are saying. And just for the heck of it (even though VFP does not recommend) I will try to use TEXTMERGE within TEXTMERGE just to see what comes out. Stay tuned.
>>
>>It is actually quite simple after I thought about it.
>>
>>The above is the idea from the top of my head, you may need just some slight changes.
>
>No, this will not work. Nexted TEXT TEXTMERGE do not work. What happens is that after the TEXT MERGE for lcInsert, the line SCAN m.lcTable (with brackets) gets error.