I'm torn.
I suffer extreme OCD and depression, currently housebound by it completely. I'm 28, never had a physical relationship, but my wants, needs and desires are the same as any NT person.
I want to love and be loved, i want someone to cuddle on the sofa with, share kisses, etc with. But my situation makes it complicated. I can't go out on dates, i can't do holidays, i can't do staying over at their house, can't plan a future etc. Dating me would basically mean them coming to my house (and i live with my dad who is my carer) and us staying in, the whole time, every time, so, nobody wants me.
Being disabled, especially mentally, drastically cuts your relationship options. I can understand someone getting so frustrated that paying to have some intimacy and closeness becomes a considered option.
On the other hand, i still think it exploits the sex worker. I don't agree with the "trade" as the majority, if not arguably all sex workers, have been manipulated or forced into it by circumstance. Maybe, there might be a handful who have other options, don't need the money etc who genuinely do it because they like it and want to, but thats got to be needle in a haystack difficult to find. A client is a client, being disabled and it being realistically the only way they are going to get to have sex, doesn't make it any less unpleasant for the sex worker. They could be the nicest person in the world, kind, considerate, appreciative etc, it is still having sex with a stranger for money and not becasue you have genuine feelings and desires for them.
I honestly think i'd have to go with no, it isn't right or "okay", and should be illegal. While i know how frustrating being alone and unwanted is due to disability, nobody has a right to sex, being a virgin your whole life wont kill you, and there is always masturbation for the "release". It's sad that people don't consider disabled people as potential partners, you do find a LOT of people automatically write you off without even getting to know you. I do get why, they don't want to limit what they can do, and what future they can have due to restrictions of a partners disability, but that doesn't make it hurt any less.