We're supposed to be paying them on here?
Seriously, though. I haven't read through all the responses yet, but you guys are nailing it...to a T. Paying is just a shortcut, and like many conveniences in life, there's an expense for them.
For me, the efforts to get 'free' kitty greatly outweigh the cost of paying. I'm reasonably attractive and is barely in my 40's, which may put me at the start point for 'creepy perv' for the young 20-somethings that I find most lustful in the biz. Even with good looks it's hard to get them to let you pull down the panties...unless you're driving a Corvette. I don't make crazy money, but I do OK, and my bills are dwindling (money...hobby money, that is, will start freeing up soon. [cue in perverted, shit eating grin]).
I just takes so much damn time and effort to chase pussy...and get the kind YOU WANT. Sure, I can go sit at a bar and bang a divorced 50-year old, who has 3 adult kids. She will also have the marks to show for it. I won't rag on women for bearing the burden of childbirth, but we're talking about hobbying and having fun. But if I want a 20-year old who's only had 1 BF in her life and decides she wants to make money for being hot, there's only one way an old bastard like me's going to get her attention.
Then there's the 'are we boyfriend and girlfriend?' factor after you mange to 'hook up' with a regular girl, which is something many of us DON'T want. 'Free' girls can get clingy after they've let you hit it 2-3 times, right at the time you start hungering for new pussy. Some can't be let down easy. I have a friend that has to occasionally replace windshields and get new paint jobs on his vehicles over the years. One even kicked his side view mirror off once. When you're a repeat claims client, insurance companies take notice.
How 'free' is all that?
Paying for it eliminates confusion, and other potential consequences.