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Not really big stuff cuz I don't own a house, or a lawn.
But commissioning art over the years has never really resulted in bad experiences. Of the...10 or 12 times I have commissioned something, only twice I've had artists ghost. One did work and I wanted to commission more but then vanished. I assume because I was the only one asking and paying it wasn't worth keeping the pages up. The second was a 3d modeler, who asked about the character and then never got back to me. This one I have no idea. Not really upset because I had not yet paid for these things and artists are free to decline work, but I wish they'd just said no and I'd have just made new requests to others.
I once commissioned a plush, and she (the crafter) was phenomenal through the whole process with updates and deadlines. I'm glad I can still link to her page on Deviantart, I assume she's still in business. These have all been...at least a decade or more ago.
Lastly much more recently, I commissioned a piece from r/hungryartists for a discord pfp, a small thing I didnt want to just use AI for, and I'd say it went well too.
For every one of these interactions I've used PayPal, and never once had issues with the people getting their money (because PP issues or bank) or people running off with it.
I don't need anything done, please don't dm me with your carrd lol.