I've heard horror stories about Patreon as well. Your best bet is probably to spread your risk by being on Patreon, Ko-fi, PayPal+Web, YouTube memberships (if you do video) etc.

managing so many fronts with such different medium (you can host all media on patreon, only really videos on YT but also more limited videos than patreon. then you can't host at all on ko-fi), sounds like a pain both logistically and financially.