Both things can coexist.
I've seen girls who looked like they are it to it, hated every bit, and came clean that it was for the money. Girls who start for the money and really get into it. Girls who were clearly into since their regular socials. Etc.
A clear reference I heard from studies on pornstars. On average they end up having more life satisfaction ans happiness than the average person. But the caveat is that when they started because of abuse, extreme poverty or drugs the opposite is likely true.
You do the math.
What is known about Shae is that she is in constant contact with her parents, she is still with her husband, she keeps her socials thirst-free, and she was already a notorious mid tier with decent wealth and a good rep for being classy.
Going nude doesn't seem financially savvy, because past PPVs get depreciated and nudity doesn't increase the price permanently. That's why everybody speculates she is into it.