That made me laugh but to begin with I didn't realise you meant tight with money...
Mind in the gutter, apologies!!
Me too! I'll join you in the gutter
If a client books 15 mins with full service, or a half hour, I'll always pre-lube as I figure they can't possibly expect me to orgasm within that time frame. I use Liquid Silk and I know it tastes nasty. If they've booked an hour I expect them to want to go down on me, so I don't lube up.
As a PP mentioned, I always lube the condom up before entry. If they are large then I also lube myself, saying "I'm gonna use some lube because I'm pretty tight and you're a big boy." Never had any strops.