If OP wanted instead help with their particular situation, they would have to include the details you note are missing.
For most problems, they seem like they could have been easily prevented by either being more knowledgeable about the situation or thinking things through beforehand.
After reading a lot of the discussions here, and considering that most of us are here for the pursuit of knowledge, my guess is that the community here represents more of the right side of the bell curve.
Smart people made mistakes in the past, smart people can imagine situations where they become victims (whether by own fault or not). Some smart people do have inability to imagine themselves in other people's shoose - but dumb people are often similarly disabled
The fact that it's one-sided smarts, the fact that one is probably not as smart as one thinks, and the ability to imagine another person's shoes, are all life lessons that may click into place at different times for different people.
I believe "smart" and "intelligent" are two different things: one is having knowledge, and the other is being able to act wisely with that knowledge.
A person can memorize an encyclopedia, but if unable to do anything useful with that knowledge, can be smart but not intelligent.
No one is infallible; everyone makes mistakes. Being able to learn from them and not repeat them is what's harder for most people.
On the contrary, I find those who shout "Victim Blamer!" often ignore or discount the realities of the situation out of a quest for perceived justice. Getting such justice is often a long and expensive process that may actually leave the victim in an overall worse position, when it is possible at all. When there is a straightforward and practical plan that will put the victim back in a good situation without regard to causing any so-called "justice" to happen to the so-called "bad guy", well, sometimes it's best to just let it go. Karma will get them in the end.
That's not to say that there aren't situations where we do need some justice. I'm just saying pick your battles here. Not everything is worth fighting about, and things that are worth a fight are worth making sure you can win.
Kind of like in the Mafia, a war of all against all. Me against my brothers. Me and my brothers against my cousins. Me and my brothers and cousins against the world.
The problem with intermediaries like these is that there's an inherent power differential. So, while technically they might not be doing anything illegal they're able to squeeze you. The best way to deal with this - if possible - is to not get yourself into a situation like that in the first place.
Another way is to make new laws (or create common law precedents depending on the legal system) that address issues that arise with these models. After all, that's how labour laws came into being as there was a huge power differential between early industrial workers, specifically day labourers, and their employers.
HN commenters tend to be cerebral know-it-all types who genuinely enjoy argumentation and like to pick things apart. They also tend to identify as independent thinkers and they like to demonstrate their intellect by taking unconventional positions.
It seems whenever someone points out risky behavior here, someone else calls "victim blaming".
It's very natural to side automatically with whover complains of an injustice; but people who strive to be rational are suspicious of this immediate emotional reaction, and want to be sure that they're not being tricked into showing an undeserved support.
Finally, the expression "victim blaming" subtly tries to shift the focus from the question "is this person really a victim" to the false question "should this victim be blamed".
I think it's much more interesting to understand the subtle dynamics that result in bad outcomes. As an example, Sidney Dekker's book, "The Field Guide to Understanding Human Error" [1] makes an excellent case that if you're going to do useful aviation accident investigation, you have to decline the simple-minded approach of blame, and instead look at the web of causes and experiences that lead to failure.
[1] https://www.amazon.com/Field-Guide-Understanding-Human-Error...
Instead, if you see those events as failings on your part, you are empowered to make the change required to have a better time in the future.
Victim mentality doesn't solve anything and goes further to make the interpreter of one's life a powerless pawn that will unavoidably be used in ways that person doesn't like.
Blame yourself and empower yourself.
Upwork is still awful. Avoid it.