Don't forget the other means of "paying for it" -- guilt, discovery and disease.
Just sayin'....
You don't know working ladies terribly well. First up there's no guilt 'cause the women are in it for the money (with a few exceptions), and we men are in it for the sex. For whatever reason: between girlfriends, travelling on busines and lonely, the desire for variety without emotional connection, we're in it for the sex. With a legal industry we have a healthy attitude about it all. A proportion of working ladies here are university students earning some spending money, significantly more per hour than waitressing in a restaurant for example.
Second, discovery is not an issue because it's legal and all above board. The girls advertise in the newspaper, they have websites, and there are discussion forums like this one. I live in Australia's capital, and I know that quite a few politicians and ministers of cabinet have been spotted with local working ladies. They're away from home and that's what happens sometimes, but because it's Australia it's no big deal.
Finally disease, and working ladies are in the industry mostly to make money, so it's in their interest to practice safe sex. The industry is regulated and controlled, and they must have blood tests every month. Between tests, it's not in their interest to be laid up with an STI, and they practice safe sex. Here, it would be safer to see a sex worker than a casual pick-up in a nightclub.
In my previous post I mentioned that some of the best sexual encounters I've ever had, and three come to mind, were with working ladies. Two of those women were in it for the sex rather than the money, fantasy stuff. One was a well-paid project manager who did sex work on the side, and the other vetted applications to see her until she came across someone interesting. Fantasy stuff and a tiny, tiny minority, but they do exist. The third was a normal working girl who somehow clicked with me and me with her, and we fell in love or lust. What started as one hour became an entire afternoon, all unprotected, and there were tears when we parted. It was emotional and sweet and sad and showed me that anything can happen when two people get together for a while, regardless of what the original intention may have been.