My experience up till this point in my business(two years)is that except of one customer I have had no problems with the bill or getting paid.On a lot of my jobs for home owners I get them to help if I'am fishing a cable etc.And I have found that most customers come away with respect for what we do and also learn something about basic electrical wiring.
I have found that If I explain what I'am going to do to get the job done,that goes along way in the job going as planed or if changes are required the home owner is receptive to the change.