Just like porn ruins actual sex for so many young men, romantic movies of all types ruin relationships for so many young women. Smut novels sell millions of copies a year to women of all ages so even if women intellectually know its 'not real' it becomes their default internal vocabulary.
Re: paying for everything. A lot of women want to step outside of their own traditional gender role but have a man firmly inside his.
There's a somewhat well-known series on HBO in USA, called Game of Thrones. A character there, Tyrion Lannister, who's a kind of a nerd, describes how he lost virginity in staged encounter with a paid woman.
It could be hard to figure out what would be better - this kind of initiation with associated large risk of getting emotionally attached to the paid person, or staying virgin for years and years, having no comparative to peers experience and somewhat falling more behind, so having to dig out from deeper and deeper pit. So I wouldn't with certainty recommend looking for paid services to get initial experience, even though that could - not always - simplify subsequent interactions. Even though such an approach could be sufficiently different for men vs. women.
Re: paying for everything. A lot of women want to step outside of their own traditional gender role but have a man firmly inside his.