There's something comparable there to workers doing extremely dangerous work, like crab fishing, oil drilling, and so forth. They pay crazy amounts of money because of the danger, only crazy people do the work. There's a huge psychological difference with sex work, of course, and the insurance and legal protections leave a lot to be desired. Maybe extreme work that entails risk of permanent physical harm should have a standard mandatory insurance threshold.

The contracts porn stars sign are often abusive of themselves.

American prudishness is a nasty force in the world. Sex work needs better regulation, less stigma, and maybe post office style banking isn't such a bad idea, since they couldn't discriminate against people in this arena.