First of all, I would mention, clever women will never be up to earning money. Earning money is more up to men. But they still can do the best life for themselves, only a bit other way. They know how to do that and if you are a woman, you must know it, too.
what do you say about women who go out for a night to a club and end up sleeping with a guy for a one night stand
I would say, there are night clubs of one kind, and there are night clubs of the other kind. If you would like just go to dance and take couple of drinks in a fashionable atmosphere, you have your way. Some other women might have their own way. Their inside's nature would call them simply to fuck. It's an instinct we can't avoid the same as hunger's instinct. When you are hungry, you don't think too much what to do, you just do it.
There is a distinct difference between sluts and women with sexual desire, if you are about that. All sluts might have sexual desire, but not all women with sexual desire are sluts.