I've chalked up the few times that I've been ripped off as "life-tuition"...each scenario was a little different, and I picked up a little wisdom after each variation. And hey, if I hadn't gone through those experiences, I wouldn't know what it feels like to be pepper-sprayed! That's one of those things you might wonder about but not really volunteer to explore. (I suspect the story going along with that statement is probably in order).
A few years ago (4-7?), I was in Buffalo and contacted an agency for an out call appointment. I'd had some great experiences with agencies in Buffalo, so I felt okay about reaching out. Learning from earlier rip-off lessons (i. e. no CFS without upsell) I confirmed with the agency that this was an all inclusive donation, and they said yes. Fair enough.
The young lady arrived, and she was attractive. She was ethnically diverse....some combination of caucasian, Afro-Am, and/or Latino...seemed like a product of the city. She was cordial at first. I made my donation and got "comfortable". I don't remember the issue, but it was something reasonable to inquire about...wish I could remember exactly...might have been an up sell gambit that I pushed back on because of the agency assertion, or I might have asked if she was comfortable with pictures....I think it was up sell, because I seem to recall talking about calling the agency. Either way, she quickly got in a huff and said she was out of there. I was fine with her leaving, but I was not fine with her taking my full donation with her. I stood up between her and the door...while I didn't touch her, I did stand in her way telling her she could take some money for gas, but I wanted the rest of my donation back.
She said something to the effect of "Hell, no!" and grabbed her cell phone, where she called her driver. My thought was, "Fine. Get him in here. If he works for the agency, he won't be cool with her ripping me off." (Naive? Maybe). Anyway, pretty soon he's knocking on the door, and I'm trying to talk to him through the door, but he's making a ton of racket (it was daytime) so I opened the door to let him in...he reaches through to grab her and I grab him and pull him into the room...lol (all the while buck naked!) I don't want to fight the guy, but I don't want them to leave either. So, I jam him up into the wall closet while trying to reason with him (seriously), when I see the escort reaching into her bag and bring out a little spray cannister...While saying "Oh, shit" in my head, I try to bury my face into the guy's clothes to keep from getting hit, but she eventually got me. As she started to spray me, I reached out and snatched the dispenser from her hands, but this freed both of them to dash out the door. BTW, pepper spray is NOT enjoyable, however educational. My only consolation is that her pepper spray was also her keychain, so I had her house/apartment keys with me...lol!