For anybody interested in the whole soap opera, who are only reading this thread, you need to go read the 30 pages at TGP to get a better view. It would be some effort and bother to do this if it wasn't real. The OP has been calm and factual in both forums, and turned to the forums Rick is a member of to push him into taking some action. I used to do a lot of commissioned oil paintings and also spec work; sometimes the commission ends up being problematic and the process grinds to a halt. The problem really being discussed is lack of honest communication by Renaissance Guitars, not Rick's talent or long history in the guitar world.
Currently (as of last night) it seems the OP has been delivered a gorgeous but used guitar, supposedly Rick's own to use in the "interim" which suggests that it is a loaner until the commissioned guitar is sent. On first look it seems like a nice solution for the moment, but now the OP is actually responsible for a guitar that isn't his in addition to being out $2,100, and RT can tell the credit card company that a product was delivered. The insurance quote on the invoice is $6K (which seems high for scuffed and used), which is a lot for which to be responsible. The OP wasn't asked if this was acceptable as again there was no communication as to the nature of the guitar, only that one was being sent, four days after the credit card company did a charge back, so it is a poor solution. It's been suggested that if the OP finds that guitar a sufficiently acceptable instrument for his money that he just negotiate to buy the guitar outright for his deposit (which might be Rick's intention), and soon (but how to do that with no reliable communication from the builder's end?). Then all involved can theoretically move forward.
In light of what has been discussed by other posters on TGP forum, the OP isn't the only one who has had problems with RT but nobody's perfect and sh*t happens to everybody, even when intentions are good. As for the guitar being RT's "personal" guitar, I would imagine he would have 20-30 pulled off the line that he has kept aside over the years, for personal use and investment; and that this is just one of the above. However that is just my guess, as I always kept my "best" bronzes in an edition aside for myself.
I think the OP's guitar build fell through the cracks, that there was probably honest intention to get it built, and then stuff just kept getting in the way (including more interesting or profitable or higher cachet work), until there was a point where it would have to be admitted that it was never started in the first place, which would look bad, and then that snowball kept rolling. It happens. If it was me on the seller's end I'd either refund with interest or give the OP a choice of other instruments I had in hand that were worth the original full commission price for only the original down payment, and call it square. I would/should have a happy customer for life. It would IMHO be the proper amends.
I am only summarizing since I read the entire TGP thread (and hope I got it all right and wish I hadn't since I just got the new Stephen King novel to read and could have read that instead). and adding personal observations. So please don't flame me.