You could go and ask her if it’s alright if you don’t have enough money on you. I have visited a lady without enough money and she was ok with it though I paid her back later. You know you’ve got a keeper when you can fk now, pay later
A sneaky escort will get you to go to the ATM afterwards, then when you come back, seduce you to stay for another appointment so she gets more of your money. You have to be careful