To be honest with you being in a sugar daddy situation is nothing but the illusion of wealth for the kept man.. unless he gets a certain amount of money, properties, etc. even if he is n the will it could be changed with just a signature.
Let's remember "Behind the candelabra" and its depiction of a famous relationship of this kind between Liberace and his boy.
I don't know the specifics of those18 to 25 providers, not everyone can be a millionaire in Only Fans but some do, they were certainly making most money than regular 18-25 guys but somehow they didn't save it.
PNP unfortunately has a lot to do with escorts retiring penniless!