Well, ideally one should not be spending money they haven't earned. A person should always keep enough funds on hand to refund. That's how businesses operate.
I understand it can be difficult for your every day artist to do that, but it is part of operating a business. 99% of clients will always be understanding if something truly goes wrong, but legally a refund cannot be denied when requested.
It's a tricky subject, but I would also like to bring up that in the cases of car accidents and the like, lost business via commissions can be reimbursed provided one keeps proper records. I've done so recently. If one has access to insurance, see if it will reimburse lost wages.
no subject
I understand it can be difficult for your every day artist to do that, but it is part of operating a business. 99% of clients will always be understanding if something truly goes wrong, but legally a refund cannot be denied when requested.
It's a tricky subject, but I would also like to bring up that in the cases of car accidents and the like, lost business via commissions can be reimbursed provided one keeps proper records. I've done so recently. If one has access to insurance, see if it will reimburse lost wages.