I can't speak for the whole of prositute kind but I can for myself and the few other WGs I know.
Haven't been driven to renting my body out of desperation, lack of sufficient cash to live or lack of affection and/or sex.
I doubt in this country many are. With the the exception of those who have an expensive drug habit and any way of making fast cash would be appealing for them, the amount of drug addicted prossies is pretty low.
I had a fairly well paid job, 30k a year which I didn't really enjoy. I took up whoring because I could earn more with something I enjoy a lot more. If that makes me greedy, then so be it. I make men and couples happy in return for cash. I wouldn't say I was lazy, I work 4days a week selling my wares and start at 9am and finish 9pm and 2days at my 'normal' part time job.
I'm sure there are a lot of greedy/lazy hos, the same as in any highly paid industry or indeed self employed person, who is doing well.
I think the price is high at an hourly rate because it's a 'taboo' job. Not everyone can/would like to do it. There are many more punters than prossies, simply - demand is higher than supply.
Tax - I'm self employed so pay it. I decided if I wanted to do this for years then I wouldn't be able to get away with not paying. So I keep the tax man happy. I know many who don't a few that do. That's all Ill say on the subject.
Would I want to give it up and earn less? Nope. But I might decide to, when/if I get too old but at the moment I'm saving for the future. So this is a career choice. Not one that's recommended by the careers adviser at school. But it's a good one for me.
I've also noticed the few older WGs I know are still doing well, so there are many punters who like/enjoy mature SPs.
A few Ladies I know have retired or tried to settle down with a boyfriend/husband find that they miss the variety and frequency of sex and of course the high wage. But mostly being your own boss.