It's an interesting one.
If I want to punt, I do find a way, but the amount I am able to spend has been significantly reduced.
I have investment properties, with the interest rates like they are payments are well up. Business turnover is similar but costs have risen sharply so there's little profit.
I have kids at a private school, the fee's are a killer.
Re quality of the girls working, I book different girls to most of you guys (milfs, older girls, non-hotties lol), but I have noticed the absence of girls with personality. I used to have regulars that I would see that were fun, interesting, had a media personality and a personable charm. Maybe it's me and they're still out there, but I don't see it like I used to.
I had a crush on SL for a bit, thinking they attracted interesting girls, but after a string of poor service i have had enough. The 'robots' analogy is a good one.