No, the store is still receiving payment for goods... how you pay for them is irrelevant, the fact is they receive payment for their goods. Now if a client were to say "I don't want to pay you a deposit because I don't have any money" would you honestly undertake a project for them? I know I wouldn't. I'd rather do 10 smaller jobs that I know I'll get paid for than one big one where payment is a game of roulette...
And as a freelance, what guarantee do you ever have they will pay you in the end? Clients know that the legal route is costly and ends up with no-one but the sharks winning so contracts are really not worth a damn, and it's all very well withholding final images, but to be honest they are worthless to you, they only have worth if the client is prepared to pay for them. They could quite easily respond to the non-release of final renders by saying "fine, we won't have them then"... so you are left with an unpaid invoice for work done, with no hope of recompense for time spent. Until you build up a good relationship with a client, always be wary of over-exposing yourself financially.
I've been freelance for over 10 years, and only once have I not been paid... and that was because the company went into liquidation.