low T middle class man who has never tried to hire escorts because they're not available enough or because he's scared to tangle with that world, but has the means to spend thousands of dollars. It's not like that's financially responsible for him, but that doesn't matter. Buys into the parasocial experience of OF even though the sex chats are run by Indian guys. Same type of person who whales out for mobile games.
millionaire or above who is a complete weirdo. Might use escorts but also uses onlyfans because it's a difference experience. E.g. you can pay celebrities like Bhad Barbie to send you commissioned videos or photoshoots.
I think it breaks down into two user profiles.