And the advertisers know how to play coy, especially with the debt deals. They want the leads to back out to paid clients. Not your fault they didn't convert, your job was to generate a qualified lead. And networks if need be, will always hide behind their T&C's...reputable network would pay you though.
the dilemma of affiliate marketing;
advertisers, if possible, want nothing more than straight CPS
affiliates, if possible, want nothing more than 1-click pre-popped CPA's
advertiser -> CPS means ROI. whatever tricks an affiliate or whoever ends up pulling, you pay after you got paid. straight forward, low risk, sure ROI.
affiliate -> CPS = more effort, rather than largely autopilot income from CPA. they do this, but the moment a CPA version of a CPS offer comes out, they ditch the CPS advertiser in the blink of an eye.
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advertiser -> CPA means highly unpredictable results. results may end up in you getting sued. or worse.
CPA works for some people (people who earn as soon as a form was filled in. hence an industry shift to rebills/scams/grants/near-criminal-offers) but to most advertisers it's just extremely unreliable, unpredictable, and not very usable in a for-profit campaign. branding/name collecting works.
affiliate -> CPA means buckwild cash day and night. who the fuck cares about the advertiser? as long as his compliance description matches your trafficvance bot settings you're good to go. fire 'em up and grab those leads!
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AND THEN COMES REALITY