Here's another thing that I don't think anyone has commented on ...
First, let's see if I've got things right: Lloyd cheated on his wife with prostitutes for four years, about once every two or three weeks, I remember him saying.
Let's do the math - every year that works out to about 25 payments for sex. Then multiply that by four and Lloyd could possibly have done this 100 times or more.
So, does Lloyd know he never picked up HIV or any other STDs? Has he had blood tests? I assume he had been having sex with his wife during the four years he cheated on her, so has his wife had a thorough health check up?
Edited to add: it appears I got my calculations wrong - Lloyd said 'every three months, for about four years'. But my point about health checks for him and his wife still definitely stands.