Why is it so hard to just find a girl to spend some good time with?

Anytime I wanna fuck some chick and try to find anyone online... Many would be seem interested until they start asking money for bullshit things.

Is it worthless finding a girl online for some good time or do I really need to find her offline (real world)?

If in real world, how do I even approach? Do I just say, "I wanna fuck you, come to my place?"

I'm 25 and virgin and I'm so fucking tired of finding someone who'd take my virginity. My body needs are too much now for me to handle (by just jerking off). Is there a proper place where I can go and get a prostitute that doesn't cost my kidneys?