I have my own kids I am raising as a single parent and now have a disabled relative too with me. As a single parent lots and lots I need to plan for-college funds, medical emergencies and a reasonable amount of savings in case I lose my job-to tide me over till I find the next one. I am not in debt, shop at the dollar store and am as frugal and cheap as cheap can be. My car has six figure mileage and still running smoothly or and also have the dreaded minivan, which I bought used. I also put away the max in my 401k and it has grown to a very tidy sum. Money wise, I am no hedge fund guy or trust fund baby-just a regular Joe.
I have no problem paying the fee and a tip to someone when I hire, but that is just me. If you are single, lots of cash, halfway through life and no responsibilities-then by all means pamper away.
It depends on where you are in life. The escorts I hire seem to be happy with their regular fees , so to each his own. To me escorts and masseurs are my pampering-to myself! It would be nice if it were decriminalized.