Only hurt people hurt people. Has anyone ever hurt you? Silly question I know. Has any client made financial promises they don't keep? Have they ever gotten angry WITH YOU when you ask them to pay and keep the commitment THAT THEY made? Have they ever thought about the fact that YOU have expenses (both personally and professionally) that you have committed to, based upon THEIR commitment to you? Probably not. If you're in business I'm sure you KNOW what I mean.