......... I don't think you are an idiot for wanting to help but I think you ARE an idiot coming onto a knife forum asking for advice (albeit on that attracts a pretty broad and knowledgeable crowd) and then promptly ignoring or downplaying all the red flags and warning flares that EVERYONE has given you. You are already getting asked for $s (beyond any associated to the transactional nature of your relationship with this girl) and he story even as relayed by you to us is so full of glaring holes (there is a joke there but I am leaving it alone) that it may as well be Swiss Cheese !!! She is MUCH MUCH more street/world wise than you, she picked up on that during your first awkward business transaction. She is looking at you as a walking talking ATM now, one which she will probably have to put LESS effort into extracting $s from that the ten others that booked an hour with her. When you sleep over....she will probably want to just cuddle. You are NOT personally equipped to manage this situation, you are too young both in age and maturity and, if I am being frank, you have had not nearly enough kicks in the head to see this for what it is. Take off the rose coloured glasses, loose and block her number and, if you must, find yourself a hooker who simply wants to do business with you, at least then the lines are clear.
On Hookers, Prostitutes and Escorts.... in the day there were perceived differences and Escorts were seen more as providing the "Girlfriend Experience" but now the lines are are pretty much non-existent, they just like being called "Escorts" now as it has a less of a stigma.