Many stories in this genre focus on the tension between a teenager's normal life (school, prom, college apps) and a hidden world of luxury.
In fiction, "transactional" romance often follows a specific arc:
The protagonist might initially feel empowered by the financial freedom, only to realize that the "romantic" storyline is conditional.
The character usually finds a way to regain their independence, learning that true romance requires an equal playing field.
An older figure who presents themselves as a savior or romantic interest but slowly reveals a desire for control. Realistic Romantic Arcs
A teen who enters the arrangement strictly to solve a problem (e.g., saving for tuition) but finds themselves catching real feelings, which complicates the "transaction."