There's a time and place for it. I know this website is for HE and FS experiences, and that's all good. I like that as well, but some guys may not want to deal with the shame and guilt they feel if they are married or have a gf, or they may be on a budget, or may actually want a legit massage with some light teasing -- and there's no reason to worry about being raided, etc. I try not to judge. To each his own.
I was very naive when I started this hobby. I went to a place in fidi that had been mentioned by someone as an overpriced Russian R&T joint. The 21yo Dutch girl was amused by my questions about what was and wasn't possible. In the end she was naked, we were 69ing, she was sucking me as I licked her - which was way too athletic but super fun. I left there secure in the knowledge that R&T was an abbreviation of "rotate and tongue."
With time I realized that overpriced Russian R&T joints could be a place where I played "just the tip" with skinny, pretty 21yo girls that I would never have approached in my 20s. One explained to me that when a healthy young woman spends all day jerking off creepy guys, and doesnt have a boyfriend for obvious reasons, she can build up a lot of steam that she wants to release.
As sxpm says, loyalty, gentlemanliness, kindness all pay off. As does a sense of humor, confidence, genuine affection and unfailing discretion. Never ever talk to a girl about another girl and you might be surprised by the payoff...