Wow Upwork Hourly Protection is a scam
Be careful with Upwork. There are cases where Hourly Protection does not actually apply. Consider my story a cautionary tale.
I was working for a client. Upwork said my client’s payment method was verified. But when it came time to pay, he just ran away. Stopped responding and changed his payment method so that he wouldn’t get billed. Turns out, this does not qualify for Hourly Protection, because my client no longer had a verifiable payment method.
This isn’t really protecting the freelancer against potential fraud like that.