A street walker is advertising she does sex for money, there is no discreteness whatsoever in her game and if/when you get busted by LE, generally a first time arrest for patronizing or prostitution will get your car possibly impounded and get you a fine or a suspended sentence on a guilty plea. A provider, for the most part, is way more discreet, and most cases, more refined than an average streetwalker, however, if/when you get busted by LE, it could be a federal crime due to the initial correspondence coming from this or other adult boards i.e. the internet.
In both instances, it is prostitution, but it is also a gray area, which is why providers will call money received is for time, not services, since you can legally pay for a girl to go out on a date with you and if sex occurs, there is no money that has exchanged hands or tied to the payment for that particular activity. But, for the most part, guys will not pay a provider just for companionship on a date or social function, they pay for the provider for the sex guarantee, sometimes instead of but definitely after said function.
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