The latter type is usually what people are concerned about when thinking about legalizing prostitution.
Actually, keeping prostitution illegal is a manipulation in the sex market to keep the price of sex very high so that women benefit.
Whats the difference between treating a girl out to a nice dinner and then sleeping with her vs Giving the girl the dinner money and then sleeping with her?
At least you don't have to play coy in the second scenario.
Many consider it a personal faliure.