I don't underestimate how bad clients can be. I don't over-estimate how hard it is for some self-employed people to ask for more money. It's ok to be fired by people who aren't paying you. It's even better to fire clients who aren't.
These clients ARE paying me. I like them. They just have an overloaded plate of issues and it’s no fun having to tax them further when a third-party setup changes. Initial point wasn’t even about cost but hassle.