I disagree, unless youre talking about escorts/prostitutes. Not all hoes want $$ for their pussy. Some are cool with just fucking a man with perceived value. Im sure you went to school few hoes. They werent hoeing for money. The same rules apply to adulthood trust me. If lebron james goes to a club I guarantee there more than enough women that will fuck him without the need for him to spend $$. Same can work for the average joe (to a lesser extent) as long as he carries himself well and appears valuable. Im not saying its easy. Depending on your personality you may struggle with it. I just saying it happens all the time.
I think you are getting your terms mixed up. Lets look at the following terms: hoe, slut, nympho, sugar baby, and gold-digger. I think you are either referring to sluts or gold-diggers.
Hoe - It literally means prostitute (google it).
Slut - Likes to fuck a variety of men, but usually does it for free. Probably most attracted to men with game (Chads). Chads may or may not have money.
Nympho - Like to fuck, but not necessarily a variety of men. You can have a nympho who just likes to fuck one guy.
Sugar Baby - Does compensated dating. Usually involves fucking, but not necessarily. Seeks mostly short term relationships.
Gold-Digger - Extremely good looking women (9s, 10s) who are specifically on the lookout for men with money. May also like to fuck, but not always. Probably more interested in wealth and comfort than dick. To a GD, men are often interchangeable. May leave one rich guy for another, richer guy. But ultimately looking to land the Great White Whale.
It might not be a bad idea to start a glossary thread.