Man, I used to figure paid classes were worth it, but that Ohio video pretty much says it all.

Mirach is where I always start too, but did you try tapping the phone to lock focus before shooting?

A buddy of mine ran into the same thing with a guy who owed him for a fence job, and out of nowhere the dude dropped off cash plus an extra hundred for the hassle. He took the money and finished the work, but from then on he made everyone pay half up front, no exceptions. Late money is still money, so I'd say take it and keep her, just change your terms so you're not sweating it again.