It's just for the money, that's what Toji tells himself. You came to him, offering money in exchange for companionship. He accepted because the pay was just too high to refuse. He didn't expect to actually fall in love with you, though.

Now he was cuddling with you on the bed, nuzzling his face into your chest. "Mm...stay in tomorrow, please," he mumbled. He wanted more than just money, he wanted an actual relationship with you. But he's afraid to admit it.