[ratww]

I'm talking about your first post: "If the freelancer had taken a credit card directly, he would be in the same situation as now." part.

It is impossible to claim that.

[wpietri]

I'm not claiming it as a 100% certainty. It's impossible to make any claim in almost any situation with 100% certainty. I'm somewhere in this neighborhood: https://en.wikipedia.org/wiki/Burden_of_proof_(law)#Preponde...