Some players only put Monica through the one path, either slum prostitution or the VIP prostitution.
Stan5851 has said that he doesn't play the VIP path in his main playthrough. The threat Mommy made to Monica about not paying Perry's debt and then telling her bluntly that she will no longer tolerate Monica using her slum apartment to steal clients off her girls, is a good enough reason in a plot like this for Monica to work on the street and be chasing every dollar she can.
If the cops caught up with Monica they would be sending her back to the prison I would think.