I don’t really care for the song myself, but I think you are not taking into account the world that was released into.
Women weren’t a dominant force in hip hop, or pop, at that time, most of the mainstream popular stuff was bragging and violence. I think this song was an attempt to fit into that genre, while at the same time take a shot at the gigolo life style that was frequently on display in so much media of the time. A stub wasn’t someone who didn’t have anything, they were someone who never even tried to be someone. They were the type that tried to impress you with the car they were in… a car that wasn’t even theirs…

Sorry, even free costs now.

Sounds like you are also from the south.