Simple, OP: SUPPLY & DEMAND.
Why are they charging as much as they deserve to? Because they can. And if they can then why the heck not? We work hard to RAISE our value over time, not undo all that for no good reason just so Mr. Haggler or Gripe can get a piece of the cherry pie. You want us to be charities? Fine, no problem. But let's see you be as charitable too, eh? lol Yeah, didn't think so. Look at it this way: How would you feel if your boss told you they wanted you to do the same work, but for less money? Pshhh! Eff that. lol
So in regards to the comment about girls being insulted by a man telling them they should be cheaper... I too hate that, it IS insulting! Sure honey, you want me to cut my rate by 50% for ya? Oh ya sure fine. But how would you feel if get rushed & scooted out the door in half the time? You get what you pay for.

(Please note I absolutely would never do such a thing, it goes against my personal standards of behaviour, I vowed not to be like that crappy provider experience I had as a client in vegas one time.)
And to the comment about "at that rate her pussy better be lined with gold" Aw cmon Speedracer, don't be like that. I know you were joking so no harm no foul but you know what, you do bring up the exact same thing I have actually heard someone say to me before, in regards to my own rate. And to him I said: How rude. Because the hole between the legs is ALL your "paying for" in your mind, I see. Whatever, suit yourself.* Other more sophisticated men & women here know it is everything ELSE that is what makes the cost different. Do I have to have an upscale high rise private condo incall that costs $2500/mo? Keep it stocked with plush bedding & towels, drinks & refreshments for you in the fridge, etc etc? Have gourmet candles flickering & your favorite music playing when you arrive? Have an extensive collection of very nice & often very expensive lingerie, hosiery, shoes & clothing I carefully select to wear for you based on your personal likes, preferences or fantasies? No. I suppose I could just get a dank little room at the pay by the hour motel on the seedy, sketchy side of town & wait for you in cheap tacky garb or wearing nothing but a vacant dreary look in my eyes for that matter. Just cuz you don't want no frills, all you need is a poosayy to poke & you don't wanna spend over fiddy for it. Lol..
Yeah. No thanks.
I could be cheaper sure, but there are tons of absolutely cute, beautiful, perky, sensual lovely ladies out there who are, and still offer a great time to you while still staying reasonably affordably priced in nicer hotel incalls, etc-- they're all over this board, so take your pick.

Me, *I* get turned on more by the more luxurious experience myself, so that is simply what I choose to cater to.
*This guy had me reminded of when I ran a luxury car lot a few years ago. Never failed, this Joe Shmoe would always pull up, park his Tercel, etc, meander around the lot just browsing around.. scowling at every price tag he saw. Were the cars overpriced? Heck no, they were a jem. Low mileage, hard to find, rare beauties & customs. He was just resentful because they were out of his budget. Still, he would try to haggle, get us to practically give a car away at a loss.. as if he would be doing us a favor to take it at that, like we were desperate or something. Lol. I had to explain to him that I simply had no reason to sell him one of my beauties at cost or loss when there was always a buyer who recognized the value & happily purchased my cars at the deal listed. His attitude was basically that a car is just a car, as long as it gets you from point a to point b what else are you really paying for? In the end I finally had to very politely ask him not to kick the tires if he couldn't afford the car. *sigh* Some people just don't get it, never have, never will... UNTIL the day they elevate themselves to afford something more luxurious or high performance-- THEN they WILL see what the fuss is all about.
And inevitably I must implore-- to any of the Ladies, please do not let this be taken as some sort of insult or offensive or personal in any way. I hate seeing these things turn into yet another debate about "what exactly are you trying to say my rate says about me huh?" It's really, truly, not like that AT ALL. The point of the story was the timewasting tirekicker not appreciating what an extra hundred dollars on his monthly car payment could get him. I also worked at Nissan for awhile, among others. And to be honest, I am such an impressed fan of the brand & the cars, I would probably choose me a nice Z over a doubly priced Mercedes from my lux lot any day. So, to each his own.
If some other guy's gotta feel like they're buying the baller experience, live & let live. The great thing about this hobby is there is something for everybody, so let's all just find our perfect fits, yeah?
/rant over. lol