Listen, I read the first couple of pages of this thread before I couldn't read the rest.
I think were missing the point here.
Topping should not be weighed by money or the job, we should all educate the customer to the proper way of pruning. Now I myself was not able to educate the customer enough for her to let me prune the tree the right way (maybe she was too old) but I probably just didn't try hard enough. Anyway, if we simply insisted, and I mean all of us, that trees be trimmed the proper way, eventually that would be the norm.
Now think of this. Say you crumple and decide to top that tree. Other neighbors see what you have done. They tell the homeowners that it looks like
cr@p and that it was pruned improperly. (the neighbors have been educated, btw they could be friends family, whatever).
Now the customer will never hire you again, because you pruned their tree wrong, neither will the neighbors, (and friends) and everyone gets upset because you topped a tree.
The customer is truely at fault here, but this could lead to legal problems as well as you were the one who topped the tree that lead to property damage or someone getting hurt.
If you had advised the customer properly, in the end you would look like the good guy. And having stood by your ethics would make you a richer man.
Case and point. The lady I educated that refused to let me properly prune her tree, had another company come by and top her tree. Later, someone told her, prolly a friend that she trusted, that this was a bad practice. She called me back and had me prune the rest of her trees, saying that she valued my expertise and should have listened to me to begin with. I also ended up with six other jobs based on this one instance where I educated the customer, I refused and then was called back to properly prune her trees.