I never liked the system of working on honesty and honor.
I get asked to write a story, and then send it to the client. The client then needs to authorize a third party to release their funds to me.
This takes a good deal of faith on my part, an aspect that is growing thin for me, as two clients this month are holding out on me.
If I asked Upwork to challenge the clients to pay me for the work, and the client said it wasn't up to standard - they still have the work - and I am out of pocket, with only a bad taste left.