Assuming someone could build the perfect replacement for a human lover, then I'd gladly go into debt to buy one. One serious drawback however is that my own erotic needs are more than just "mechanical" in nature -- I also get a thrill from being "desired". The gynoid won't ever desire me. It will simply perform various routines to emulate human behaviors. It's not as if the if it has free will (or the capability to make ethical decisions) since I'm paying for the privilege of sex on demand. I also enjoy knowing what I'm doing is pleasuring the other person. What's the point in giving a gynoid cunnilingus (for example). I would hate listening to its pre-programmed moan routine and fake orgasm.