Voice of non-experience there
most women who offer MMF do it with their husbands or pimps....... as for "reliable working women", I do love oxymorons
Each to his own.
I know that many women who offer mmf do so with partners. In many cases those partners will also do jobs with other working women or on their own.
Lots of working women don't involve their partners in their business and obviously require a partner for mmf jobs.
It's bad luck that you've not met many relianble working women. I've not encountered any that have been anything other than reliable. It sounds like you would be well advised to consider your selection criteria.