As a freelancer in the US with local and international clients who are often small businesses or individuals, this has not been my experience at all. I have never found a way of accepting fiat payments that isn't some form of scam. Wire transfers are ok in theory (the $20-$45+ fees are unreasonable but tolerable), but falls apart when the client's way of sending an international wire transfer is through some 3rd party service that's capable of holding the payment in limbo indefinitely (and they do). I prefer Bitcoin because it's cheaper and more reliable than money transmitting services, faster than mailing a check, and I can accept payment from anyone without worrying about chargeback scams. For clients who don't want to do that, if the gig is large enough to warrant the overhead of determining whether I can trust them enough to accept a reversible payment, I accept a check in the mail like it's the '80s.