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would you think the caterer was having a laugh if they wanted payment before you'd eaten a meal, or the baker before you'd cut the cake, or the DJ before you'd heard a song ?
Do you think amazon are having a laugh when they take payment before your goods arrive ?
If the prepayment before the day included print and album costs I'd think the photographer was taking the p***. But I would expect to pay for them after the selection viewing and before the order was placed with the printers. Perhaps the pro's could clarify exactly what is normally being paid for upfront as that might make it easier to understand.
I'm self-employed, and I always leave a completion stage on the invoicing schedule. It's never so much that I'm left out of pocket, but it is both a reminder that I need to finish the job to the clients satisfaction and a mark of trust in the relationship. But I am dealing b2b and the nature of contracts is perhaps better understood in that market.
But back to the OP, the professional is supposed to bring the professionalism to the assignment. Saying that you ***ked off doesn't sound professional.