My friend is paying me to date them

Throwaway account because this is kinda a weird situation. (Names have been changed for privacy).

I, 19f am friends with a guy we can call Jack, 18m. We have been friends for almost a year now and originally met in school. When we met I was still in a relationship with my ex-boyfriend, though we have since broken up for unrelated reasons. 6 months after our breakup I had a situationship with a guy we can call Lucas, who is also friends with Jack. Long story short, me and Lucas were doing everything couples do, calling every night, texting constantly, small dates, holding hands, cuddling, kissing, the whole 9 yards. About a month into it, Lucas called me one night upset and stressed and obviously I attempted to comfort him. That was until he told me that he had just confessed his feelings for a different girl that he had apparently been in love with for over a year. He admitted that he had been leading me on and using me since I was showing him the affection that he was wanting from her, but he said that he couldn’t keep hiding it from me because “the guilt was eating him up.” This was the first time anything like this has ever happened to me, and it really damaged my ability to trust people, as well as making me take a BIG step back from being in a relationship with anyone. In the middle of everything happening I switched into a different class that Jack happened to be in, leading me to tell him about everything that was happening in real time. We have become much closer through this, as it led him to open up about his own relationship issues that he had in the past. It’s been about 3 months since all of this has happened and since Jack is apart of my friend group, me and him have talked almost, if not every single day. About a month ago Jack confessed that he had feelings for me, which I don’t reciprocate. We have had several conversations about it, and I have expressed that I don’t mind staying friends as long as he is aware that I do not share the same feelings. He has accepted it, and we returned to more or less normal. (Next paragraph is for more context on my thoughts, move past it if you don’t care).

The hard part for me is that I WISH I liked Jack back. He fits 80% of what I look for in a partner, and I feel that he understands me in a way that not many of my other friends do. He’s sweet, caring, attentive, and surprisingly empathetic (maybe I’ve just dated too many shitty guys but still). And before anyone starts, I have thought it over countless times, it definitely keeps me awake at night, and I have many reasons for not wanting to be in a relationship with him. I don’t think I can physically bring myself to date anyone for a while, not after what happened with Lucas, it wouldn’t be fair to my partner. I would question and criticize them and assume the worst of everything they do because I would assume they are lying to me and I don’t want them to feel like they are walking on eggshells around me just because I have emotional healing to do (I am working on it in therapy). I have PTSD and CPTSD, as well as ADHD, generalized anxiety disorder, as well as Reactive Attachment Disorder, which makes everything harder. Having Lucas lie to me like he did and then leave was a major setback in the progress I have made in learning how to form healthy attachments to people, and the thought of putting myself in another situation like that terrifies me. Not to mention the disconnect I have because I don’t find him physically attractive. I know that looks don’t mean everything but I seriously cannot bring myself to find him attractive at this moment in time.

Me and Jack joke around a lot, and ever since he confessed to me we will both lightly integrate that into some of our jokes (ex. “don’t do that, I’m literally in love with you” “well since you like me so much you should get me this chocolate”). But today Jack made a joke that he would literally pay me to be his girlfriend, and when if I asked if he was serious he said he was. He offered a decent amount of money that makes me actually consider it. I pointed out that it wouldn’t actually be authentic love and affection and he said that he didn’t really care, he just wanted to be with me. I’m drafting up a “terms and conditions” doc that would list the things I’m comfortable doing and not doing, but my question is just: what do I do??? I said it would have to be a subscription based payment because I thought he would change his mind but he is okay with it. I also know that I don’t actually have to do this, and I know that if I said no and shut it down he wouldn’t make a big deal about it and move on like how we have been. The thing is, my family has been in a tight spot financially recently, and the extra income would be really beneficial (for those wondering why he doesn’t just help me and my family anyway, he doesn’t know about it). What should I do? He’s a really great guy, and the way he’s treated me as friends shows me that he would be a phenomenal partner so I’m not concerned that he would be using me, but I don’t know. Should I do it? Should I not? What are some things to take into consideration for my “terms and conditions” thing? Is this a good idea? I just want opinions.

TLDR: My friend wants to pay me to be his girlfriend. He knows I don’t like him like that, but doesn’t really care because he just wants to be with me. It would be a subscription based payment, and he’s offering a decent amount of money. I’m considering it because he’s not a bad guy and my family is tight on money and could use the help (something he doesn’t know about). I am drafting a “terms and conditions” list for what I am and not comfortable with. What should I do? What should I think about? Concerns?