The only way to really go bankrupt is to bite off more than you can chew. If you really wanted to, you could not start an official business, hire zero staff and bang crack whores in your roach infested shack forever. Your monthly experience if upgrade literally nothing is almost zero - even one crappy phone camera movie a month can keep you afloat if you have no other expenses.
Of course starting a business is usually the first thing people do, and that opens you up to owing taxes which breaks a lot of new players because they all come out at once at the end of the month - which can put them in the red if they didn't think to save any of their profits. Plus it's $500 a month just in itself.
However, for the truly desperate, there's always Hidden Camera, which is free if you don't get caught and since they're always super low quality the odds of getting caught are pretty damn slim.
Speaking of which: I suggest a change to HC mechanics to factor in the MC's Fame into their odds of discovery. If you've got 10,000,000 fans waiting for your next HC video, well, odds of her hearing about it at work should probably be higher than if you're just a nobody just starting out. To balance that out I'd also suggest that you reconsider having models doing videos hurting their willingness to do camshows afterward. Seems to me like videos should just be free advertising for their cam channel, right? As in they should be the ones pestering the MC for more videos so as to build their viewer base.