I am sure designers don't want to hear this, but if they want to take their sweet time and ignore deadlines (that they set themselves) over and over again, I am simply not going to move heaven and earth to make immediate payments. If they want to create a huge pipeline of work by making false promises that they can't deliver on-time, then a little dilly-dallying on payment seems like a fair trade.
And I don't think its correct that you can't get a refund on digital gods with Paypal. I've opened disputes in the past on things like this and the provider always gave me their full attention at that point and came through a hurry so there must have been some risk of a settlement in my favor.
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