I think Frank made an emotional decision. When Jessie popped into his life, it drove him to accelerate his tempo of earnings and against his better judgement, hop in bed with the devil.
Funny thing is, although he is a bit spendy, it still seems like he was earning close to a million a year from the scores he took down. He could easily have a huge nest egg stashed away (once the launderers took their cut), and earned compound interest on CDs (rates to depositors were 5-6% around then, and shot up to double digits about two years after Thief was filmed).
But then again, a guy with a stash of clean cash opening up envelopes with a safely earned check doesn't make for high drama...
"...and Mrs. Taylor sure seems to use a lotta ice, whenever he's away."
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