Do you have a budget point or number of sessions with sb or otc girl step back - enough spent, sessions, risk, whatever. Then do a gut check if it’s still sane not addictive behavior? Are you ever tortured you did x spending then bad luck event and wish it only been y spending during that period? Not to mention risks......std / getting them pg. Trust your instincts sometimes better say no or run.
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To answer your question on spending, for me not lately. When I was younger it happened from time to time.