Thank you. I was honestly scratching my head at why so many people are saying that artist shouldn't have to cover fees and it's perfectly okay for me to lose out on money I paid for a service that never gets completed because "the artist shouldn't have to cover fees."

You make a good point on not sending it under 'Friends and Family.' I had an artist in the past who asked me to send it as that and I found out the hard way to never do that again. Any time an artist asks for me to send it as that I would either offer to pay more to cover the fees or cancel entirely but I never knew that it could get me in trouble as well so I'm going to stop commissioning artist who ask entirely.

I think from now on if the artist sends me a refund through goods and services and doesn't add extra to cover fees I will request that they send me the amount for the fees.

Thank you so much for the advice!~