I think the downsides of getting scammed by an IG model are the exact same as getting scammed by any other sexworker. I literally just talked about getting scammed by Scarlet Hampton and PC a while back. Assuming it's first class, flying that IG model out and not getting laid is about the same amount of money that I lost. Then there's the endless amount of deposit scams running around for guys seeing normal escorts. When it comes to low-end sex work, there's dudes picking up streetwalkers and getting told to go somewhere, then getting robbed by the BF or the pimp. Or she takes the money and says she has to use the bathroom real quick, then runs off. Scamming isn't unique to IG girls, nor is it unique to sex workers, scamming is universal.
As for whether IG girls are "worth it," that depends on how you measure value. If your value is (money paid) x (minutes dick spends inside pussy), then no it's not good value. But if you care about doing anything else with a woman besides fucking her, that's where the shine of non-escorts comes from. This is not just IG girls, but also sugar babies, strippers, etc.
To elaborate, if you pay an escort $700 for an hour, you can fuck her the entire hour. If you pay her $1400 for 2 hours, you can fuck her for two hours. This is the upside. The downside is that if you want to pay for two hours, 1 hour fucking and the other having lunch, she's still charging you $1,400. Escorts bill by the hour, not by the activity.
This is the opposite to how sugar babies and IG models work. For those girls, fucking is a much higher fee, let's say $2,500. But it's not $2,500 an hour. For $2,500, she'll hang out with you for the entire afternoon, or the whole day, or even spend the night with you. Beside sex, she'll go out with you for dinner and drinks, or to the club, or if it's the daytime then to the beach or somewhere else fun. You get to have some arm candy, maybe if the environment is right then some making out or cop a feel, or more depending on how bold you and her are. If that sounds like fun, then that's where IG girls become better value than escorts. An escort charging $700 an hour would charge you probably around $5k or more for an all-day booking or a sleepover. They usually have multi-hour discounts or a cap, they don't just do $700 x 12 hours.
Also, a variety of factors would potentially lower the IG girl or sugar baby's price for sex. Are you going to have them doing an activity they actually want to do? Then they'll give you a discount on the cost of fucking. Coachella just finished up. If some girl really wanted to go, and you offered to fly her out and cover costs of hotels and festival tickets, it's probably not $2,500 per day anymore, it's more like $3000 for Coachella weekend. Hell, if you guys have known each other a while and she likes you as a person, you're usually generous with gifts and money, you're a DILFy kinda older guy, and you agree to fly out a couple of her girlfriends so she really has a good time, she may not even require money at all from you.
So really, the analogy I'd make is that sex for money is like a burger. Some guys really just care about the burger, how good it tastes and how much it costs. Other guys care about the fries, the beer that's available at the restaurant, whether the bartender is a cool dude, whether the hostess is a hottie and likes to flirt, how clean the bathroom is, whether there's live music on Wednesdays, etc.
If you just care about the burger, stick to escorts. If you're the second type, give IG models a try, or sugar babies/strippers if you're too poor for IG models.
