Oh, I understand. I think the poster here probably has legitimate logic, but she's way overreacting.

As for the rest, there's definitely some risk involved for both parties in a commission. But the current prevailing "system" does place almost all of the risk on the buyer. A buyer attempting to file a paypal dispute for a commission that was finished is extremely rare, and the artist still has recourse even if it does happen. Artists flaking out on a commission after being paid in full isn't rare at all, and the buyer doesn't any recourse outside of public complaint (which still doesn't get their picture done or their money back). Theoretically they could try to issue a chargeback through their bank, but that is very difficult - often impossible.

But I just handle it by repeat-buying from the same few artists I feel like I can trust.