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Haven't seen either movie but I can imagine somewhere out there each premise has actually happened in some way.

If "more believable" means "more likely" the question boils down to whether a slutty woman has a pimp or not. In the modern day that's a hard one to answer. Onlyfans is a prominent service that is for generating pornography and is arguably a form of prostitution. Services like Onlyfans also arguably function as a pimp where the CEO makes record profits. The use of these services to facilitate the exchange is more prominent than not, therefore it follows that "Risky Business" is the "more believable" story.

neither one of those whore's is believable due to the undisclosed ever present drug use this industry is always a slave to.