I find this hard to believe also.  The worlds oldest profession, on whatever level you want to apply it, is pretty much a cash business. I can't imagine any lady smart enough to be operating in the higher end of the industry to be dumb enough to extend credit for months at a time.

Seriously, anything that gets written about escorting, escorts, or the men who pay them in any sort of national publication is no more realistic than any other "puff piece".  It's all about selling advertising and sex sells.  Reality? Not so much...