Net benefit from holding the underlying asset of a forward contract

CFA Level I Derivatives
#1

From Kaplan:

A net benefit from holding the underlying asset of a forward contract will:

Explanation
Compared to an underlying asset with no net holding cost or benefit, a net benefit from holding the underlying asset will decrease the no-arbitrage forward price at initiation and the value of a forward contract during its life. Holding costs and benefits have no effect on the value of a forward contract at expiration.

Why will holding the underlying asset decrease the no-arb forward price at initiation and the forward contract during its life?

#2

That’s not what they’re saying.

If you’re a baker, there’s a benefit to owning flour: you can make croissants with flour. You don’t get that benefit when you have a forward contract on flour: you cannot make croissants with forward contracts. Therefore, the forward price on flour will be lower than the spot price increased by the risk-free rate.