At the end of the day the most important things in getting upper echelon ***** are money & looks. Looks, just like it is in the case of IQ, you have no control over, and are born with those. So the question is, what is an individual willing to invest more of, time or money? For some individuals, their time is too valuable for them to waste it on trying to seduce girls to have *** with them, so they choose to just get it over with, and pay for it instead.
Now if the end goal is to actually find a companion or life partner, the calculus behind the equation changes, because that's a different sort of transaction altogether.