The real problem we all face is that of the thousands of working girls (shops and private), it is logical that a percentage of them have psychological problems, just like it is in the general community. It is inevitable that many of us punters will get in trouble with these women. Also, many will be ripoff merchants, just like in general society.
This makes the only defence we have is to use fake names and not take ID-related things when we go to pay them for sex. It is not paranoia.
After all, we don't wear seatbelts in cars because we're paranoid about accidents.