Every successful business has it's methods, and sometimes the business plans will dictate that one guy operate different from another.

In my case, I serve a select handfull of steady customers. Very little of my business is from 'unproven' customers- and most of those are 'word of mouth' referrals.

I am in the middle of trying to collect on a 'job gone bad.' In this case, I suspect that I just had the bad luck to be there when this guy had a mental breakdown. I doubt there's much that can be done to protect against THAT risk; thank heaven it's a rare event.