I'm away from my computer until later so I'm using my phone which I hate but I'll try to answer some of the questions.
Yes, she was young when she married her first husband. They had both the children together. After their divorce and at the end of the 6 months escort life she decided she wanted better for her and the kids, her second husband was 16 years older than her and she saw him as being stable because of a job and owned a house and no, he wasn't a client. They met by accident, she had made a wrong call and while they were talking he told her that he remembered seeing her at this company function a few days earlier, he was a salesman and she was there with someone else.
When I was 17 I became pregnant with my oldest daughter. I gave birth at 18. I married her father to "do the right thing" just after my 19th birthday. My ex was a POS. No way around that. Wouldn't/couldn't keep a job, was a drunk and would do whatever other drugs that happened to be available, had his mom paying the bills most months, on and on. We had a 2nd daughter during the marriage. The marriage was a sham, an epic disaster, complete with abuse of all kinds and multiple affairs on both sides. When I was 24, I met a man and fell in love. I couldn't do it anymore. I'd become hopeless and apathetic. I was in a dark place and just gave up. Meeting the love of my life shocked me out of it and I knew I had to make changes. Even if I didn't end up with him. When I left at 24 I was suddenly faced with providing for two young children, then ages 6 and 1, with no car, no job training, and an education that could be summed up in 3 letters...GED. I knew my POS ex certainly wasn't going to actually pay his child support and that left 100% of the financial responsibility on me. It's nearly 18 years later, the girls are 24 and 18 now, and exPOS never paid a dime.
When you're a reasonably attractive young woman who is desperate for cash to feed, house, and clothe her children...let me tell you, the idea of exchanging sex for money doesn't seem so outlandish. Lord knows I considered it. Thankfully, I was involved in a relationship with a man who was willing to take responsibility for me and my kids. Otherwise, I may have had a history of sex work myself.
Your wife's situation sounds a bit familiar. Young, POS exH, kids to support. Did she turn to sex work in order to support her babies? If so, the only thing this says about her as a person is that she is willing to do whatever it takes to provide for those she loves.