… it is the emotional warmth shared at this time, and the feeling of being wanted and needed (not the plain physical act) which are the chief pleasures of sex and intercourse (for women). (Shere Hite)
Thanks Muhammad for commenting but that is not really an answer! Intercourse is primarily a male pleasure. Women look for a loving relationship before they are willing to offer a man regular sex. You can't pay someone to love you. Sex for women is about emotional connection and incentivising a man to be in a relationship with them. For men, sex is an erotic pleasure and a means of releasing the sexual frustration that accumulates due to regular arousal. Women's arousal is subconscious. They are never aware of it. So they have no need for sexual release. They talk of lovemaking because their focus is the upper body kissing and caressing. Intercourse provides no erotic arousal and no physical stimulation for a woman. This is because the vagina is an inert reproductive tract. Responsive women use surreal fantasy for arousal and stimulate the clitoral organ to enjoy orgasm alone.
Thanks Antonio for commenting. Any person who is the receiver of a thrusting penis does not need to pay for sex. There are more than enough men looking for the pleasure of thrusting into another person's body orifice - vagina, mouth or anus. The receiver is compensated for offering the penetrating male this erotic pleasure either by money, love or simply the emotional reward of feeling admired and needed. No one needs to be penetrated by a penis or any other object.