This stinks Major. Sorry to hear about it. It's something I would have done as well. Generosity can really burn you in the long run. Next time, or for anyone who may consider covering hotel costs for a provider in the future, perhaps you could say "Yes, get the room (in your name and with your credit card) and I will add $xxx to your donation to cover the costs" This way your credit card does not get involved which is pretty much never a good idea. Also, if a provider is so desperate that this scenario doesn't work for her and she cannot front the $150-300 to cover the costs upfront until you pay her in cash, it's a red flag to AVOID her. Desperation is NEVER a good thing when it comes to sex work.