The only dumb question is the one you didn't ask.  However, I do think the answer should have been obvious to you, why would she pay?

Swim

I'll assume for this question that you are on a first date with the gal.  And you are going out to eat as part of the "paid" date.  In that circumstance I would expect that you should be picking up the tab.

But if you have been seeing a lady for some time (let's think over 10 long dates of 4 hours minimum), I wouldn't have any issues if she wanted to pay for lunch/dinner.  Frankly, several gals that I have seen insist on paying for the lunch/dinner.

It doesn't matter if its a dinner date, the bills, or a cup of coffee, the man always have to pay. For this situation, since she is a provider, it is almost certain and expected that the man pays for the dinner. It does not matter if she voluntarily go with you, or if you booked her for a dinner date. Especially if you booked her for a dinner date, that means, you have to pay.

Its no use to be thrifty, and you pay her $200 for an hour of dinner date, and expect her to cover $60 for her bill. That's only a $140 profit, and that is being conservative.

Also, please do no blur the line and using an analogy of a provider to a civvie. I think that is what caused the confusion in the first place. If you take her out, you pay for everything. No exceptions.

whether you're paying for her time or it's OTC (off the clock).  Mostly, you're paying for her time as well.  Why would she spend time with you and not get paid for it when she presumably could be having a paid session?  On occasion, however, OTC meals, etc. can happen when you click with someone but you have to play it by ear.
For example, I was with a great gal and, as we were finishing up she said she was starving.  A few minutes later she mentioned I was her last session of the day.  So I asked if I could treat her to dinner,  "just friends," and she said "sure."  We had a great time.

Yes, you pay for the dinner. Yes, you pay for her time for dinner. Though many times there can be an OTC arrangement if you have booked multiple hours with the lady or have seen her multiple times. There are many variables. But, in the beginning stages just plan on paying. What Inicky said about the lady being on her last session and being hungry is a good example of how important it is to really communicate - he made it clear it was his "treat" - going "just as friends" - and so it was comfortable and clear for everyone.

Just as you will run into different providers with different rules, you also have to think about all of the different personalities we encounter - some people we run into would even like their "change" back if their performance doesn't last an hour (kidding, but believe me an example of what we run into....). The easier you can make the encounter the better it will be for both of you!

So plan on paying.......and enjoy yourself!

Summer