It’s clear non-photographers don’t understand how photography works. Many photographers require 100% upfront because chasing clients for unpaid balances is common, and we’re not a collection agency. The fee covers the entire service—shooting, editing, and delivery. Upfront payment ensures our time and effort are valued, and we don’t risk working for free. If you don’t like a photographer’s terms, you’re free to go elsewhere, but telling professionals how to run a business is out of line.