You do this as a side hustle and evidently don;t see it as a true business.  That or you truly don;t understand business.  It isn't that we won't get re-imbursed, it is that we have our money tied up until we get paid.  That may not be any issue for you but it can be when this is your livelihood and only source of income.

And I take offense that you think upcharging is shady or dishonest.  Not once have we ever lied to client that questions our copy charges.  We are upfront and honest about what we do.

It is ones like you that make it difficult for the true professionals to get paid what we should because you keep the rates down.

 

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