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A lot of rip offs on both sides of the tracks. I have had designers flake, or rip me off in the past. It's like babysitting.
Now, if it's a smaller gig. I 'may' consider putting down a small portion on the project. But you are not going to get 75% until it's completed.
On larger projects that I know are going be lengthy in time frame, and tweaks, modifications, and ongoing support... you will get NONE down. I will put a percentage in escrow so you can look at it if you like. But that's it.
If you do a good job, keep your time table, and hit the benchmarks mutually agreed to when we started. I MIGHT break you off some % at the half way point. But even then, it will depend on you actually keeping the time commitments prior to that point. No delays of any kind.
On any project now, I ask for REAL TIME LINES and tell you this up front. If it's going to take a month because of your work load. Tell me that. Not a week. If you blow your week, do not expect me to pay you the 100%.
Again, I get this all out in the beginning now a days. Too many flakes and scammers. I do not look for the cheapest. Only the best. I want real time lines, and work done AS SPECIFIED and AS AGREED prior to starting work.
Always be willing to walk away from a bad deal. It will save you a million times over when dealing with designers and programmers. I am paying. I am the boss. I give you the guidelines, and you can meet them or not. If not, no skin off my balls. I move on to the next one.
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Enough Said. 
"Would you rather live like a king for a year or like a prince forever?"
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