Sex workers are expensive.

That said, the right sex worker can be an amazing, wonderful experience. You're not paying just for sex, and maybe not even for sex at all. Moreover, sex workers tend to be very non-judgemental about pretty much everything, as long as you're clean and non-abusive; they've seen just about everything, and can make most things work in one way or another. One that I've spoken to said that it was pretty common for clients to have performance anxiety; although a lot of clients think they want sex, what they want is sexual contact with someone, and that's not exactly the same thing. Sex workers are common and relatively easy to find if you're a straight male, a gay man, or a lesbian. It will be much harder to find a sex worker if you're a straight woman.