? Because they won’t pay!
So, you’ve gone from pitying her for wanting something for nothing, which I proved to be false, to concern that she’ll get ripped off by her clients? lol You’re quite a tangled ball of neuroses.
I don’t know of any websites that offer services that don’t require payment first or a verified means of getting payment when services are rendered. She’ll get no sympathy from me if she’s too dumb to set it up that way.