Not a fantasy, just a story. Originally intended as a close friend of his daughter, as I'm not a fan of "in law" stories myself, but it works with the switch to a DIL.
Dad In Law (DIL) knows Daughter In Law (DIL) (yes I'm an ass) has a secret. DIL doesn't work often, and yet DIL notices she has too much rich things. Clothes, electronics, accessories, and depending on the setting a too expensive car.
DIL goes online and finds DIL at an escort agency. He orders her at the next conference, telling the handler to tell DIL she was picked on the suggestions of the handler.
When DIL meets DIL at the hotel they are in shock! Oh no! How could this have happened. DIL decides to fuck around with her, seeing how far he can push her to put some shame into her. DIL isn't allowed to get out, or she'll lose her money. There's no quick or easy way to swap with one of the other girls. Of course she can't do that with her spending, so at the very least she'll go to the conference as eye candy.
DIL does her job well, charming others and being DIL his accessory. Being sexy and doing as much as possible to convince others they're a legitimate set while trying not to do anything physical.
When they return, flustered and having enjoyed the roleplay more than they expected, the rest of the money was up for debate. The very expensive evening "included some pussy," as the DIL states. Everything to make this a life lesson DIL won't forget. To get her back on the straight path.
However, what DIL didn't expect was that it wasn't just about money fir DIL. She likes sex. Craves it. So this was a great way to do several things at once. Having great parties, getting more than a months salary for a nights work, and getting properly laid, or at least most of the time.
It puts DIL her escort business in a new light. Maybe DIL shouldn't control DIL like this. She has obviously thought about it and sex seems to be pretty certain, escort business or no. To do it with men vetted by the escort company and getting rich at the same time doesn't sound that bad. He apologises, and wants to get out.
DIL and DIL are both aroused at this point, and the matter of money is still not resolved, so she won't let him leave. What does DIL expect normally from this? What is the minimum she can do to still earn her money? Her satisfaction not spoken, but hinted at.
This then leads to some small things, which leads to bigger things, which leads to full on, crazy and ashamed of themselves sex that they just can't stop, ending in orgasm (whether he fills her, or she's already filled and orgasms later is up for grabs).
Having earned her money and him having seen, and felt, the business close and personal DIL and DIL go home together. An experience richer and a wide amount of options for after. Will he pimp her out by taking over the escort service, cutting out the middle man that takes too much of the share? Will they continue their debauchery, and maybe talk about her escapades more openly? Is his wife anywhere in the picture, like becoming an escort and joining the banging in the house? Worlds your oyster.