A friend introducing a client does not become the payer. Use Friends to frame the introduction, Career to identify the delivery role, and Wealth to ask who signs and pays. Put referral fees and client ownership in writing.
Read the chart in layers
A referral is a relationship, not a payment guarantee. Read Friends for the introduction, Career for who performs the work, and Wealth for the cash path. A designer paid directly by a client faces different risk from a consultant paid after an agency collects. Put the signer, payer, referral fee, and refund duty into separate written fields.