I didn't pay either of them and the only thing I got was a plot freeze. And the same scenes. And until I paid it didn't move an inch from that place. So it seems like a logical plot twist, but for some reason it didn't work for me...
They are progresive you keep not paying and eachtime heads towards the NTR.
The more you don't pay the more Mom has content with the Boss exct.
Not sure If you need to go to the strip club to see it happen you probably do.
But if yours isn't progressing then i can't help you... you need the Dev or someone that can check your save for issues.
Because maybe your game has issues itself ?.
As I'm not aware of any lockout to that route unless... its linked to her relationship with MC maybe it has to be bad.
And unless you have been anoying her then Paying would of given you good relationship with her.