OnlyFans … it’s either a cash cow or a chaotic experience … and TMZ’s new documentary reveals just how severe the consequences can be.

Former OF star Angela White — previously known as Blac Chyna — admits that greed struck quickly … sharing in “TMZ Presents: The Battle Over OnlyFans” that she recognized flashing her fans through topless DMs was the true money draw.

Angela insists she understands the reality … many women join the platform believing that simply wearing bikinis will suffice … but before they realize it, the pressure affects their mindset, leading them to reveal more and more.

However, OF couple in their forties, Carmen Wilson and Joe Gow, share that the adult subscription service actually strengthened their relationship. By the way, Joe was Chancellor of the University of Wisconsin-La Crosse … that is, until school officials discovered his side gig — but Joe claims he has no regrets.

The documentary is divided into two segments — presenting arguments for and against OnlyFans. Ultimately, the audience decides … OnlyFans: Legit or Destructive.

Catch “TMZ Presents: The Battle Over OnlyFans” airing tonight at 9/8C PM on FOX — and available for streaming the following day on Hulu.