I would cut my losses and block the number. She may well need the money but you certainly are not obligated to support her.

If she owns the shop there may be no rotation. You may need to search out another place if this one is not fullfilling your desire for novelty.

Even if it is in a hotel room or house, they still need to prove solicitation. What happens between consenting adults is not a crime. They need to have you agreeing to do a sex act for $$ or something of value (like trading drugs for sex).

My advice beyond your observations about hygiene is, know what the price structure is in your area. Plan to pay the house fee PLUS the tip in cash.

Take a deep breath and relax.

If you only received a hand job, you will not get a STI. The only way you might remotely get an STI from a HJ is if she spit on your cock instead of using a lubricant.