Ok I understand the money bit with the beach girls. But Lucrecia did marry Hojo. Goes into it in Dirge.
So ok, I get that she feels awkward about her and Vincent having a relationship cause there was an accident when she was younger and killed Vincent's dad. But why marry Hojo. And that's not due to experiment. If they wanted I bet Hojo could do a test tube baby/clone. Or pay a random hooker to give birth to Sephiroth.
I have to say, most of the problems of FF7 were caused by Hojo experimenting.