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Lol the age old question. Honestly - the market is saturated in many big cities - competition is high, living costs are high. Providers aren't necessarily booked solid - so even though they are charging 'high rates' - it's not like they are working 8, or even 10-12 hour days. Some days they have 0 appointments. So you can't think of it like hourly pay ($200hrX8 hours).
A lot of girls may be happy with a goal of making $300-$400 per day. For very high end girls - those charging $1000+ per hour, they often do save. Or spend a ton of money on marketing and having the right wardrobe - or apt to host guests.
Of course, there's the drug addict stereotype - which has sadly, some basis in reality. But also - when you are young, and many providers are - you just don't know how to manage money. You think you will make $500 + a day forever.
Finally - a lot of girls do it as a side job - in addition to college or another job. They don't do it full time, and really just use the extra money to pay rent, groceries, go on vacation, etc.
I don't want to oversimplify - because the whorearchy is real - but there is as much diversity in the ho-ing world as there is in the vanilla world. My own personal theory is that as many as 1/2 the college students in NYC - are involved in some level in the adult industry. Many go on to become 'successful' and never let anyone know their secret. I've had more than one girl who worked with me attend Columbia...
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