All of them are well within the realm of possibility.
A friend of mine is an animator and a whole team of his was employed working on an educational cartoon. Two weeks before the close of the project, the client said "God told me in a dream not to do this project anymore." The client ended up not paying for any of the months of work already completed on the project and the team ended up sacked by the studio.
On the East Coast, being paid 6 months after completion of a project or not at all is almost the rule.
More than 15 years in the job I've also experienced a lot of situations that were similar. Probably mostly because in the early years I was doing quite a lot of web development for small companies and always had direct contact with the clients. One of many, many funny situations was the media agency that needed to send me digital pictures of their team, and they didn't send me the jpeg files, no, they send me a Word .doc files with the pictures placed into the doc. They didn't know that you could also just send the images. They only knew how to send docs.
