From the medical expert

The answer to the main question is simple: Most of those million infected people are not those who have the low risks you cite. 70-75% of them are gay men who have had many, many partners with frequent unprotected anal sex. Another 10-20% (I don't recall exact percentages) are injection drug users who have shared injection equipment. The 5-6% who claim heterosexual exposure includes many people who in fact were men who had sex with men, injection drug users, or female partners of men with other risks--but who denied their real risk behaviors, or didn't know about their partners' risks. The likelihood is that each year literally nobody in the US, or at most a small handful, acquire HIV after heterosexual exposure events involving vaginal, anal, or oral sex.

The differences are great between Sub-Saharan African populations compared to western Europe or North America in sexual behavior, stage of the HIV epidemic (the proportion of infected people with high viral loads), HIV treatment, background STD rates, circumcision, and other factors that explain the differences.

The likelihood of getting HIV from a single encounter with an 'upscale' escort in Europe is probably less than that of being hit by lightning--literally

[Brian123]

I do know what you are stating..however I think the number of heterosexual cases are underreported.
Myself, being gay I do know the rates are higher for homosexuals (for obvious anatomical reasons).

No less, I "think" more gay men get tested than the "norm" of heterosexual men. Often that is why I think when most heterosexual men or women discover their HIV+ status, it is often a shock, because many find out inadvertedenly, such as routine screening for physicals, going in for operations, being pregnant, etc.