Yours is a classic example of how men are fleeced when they think with their dicks instead of with their heads. You seem to be an educated man and yet you have fallen for an emotional trick (tears and sympathy) for a woman is obviously out to get her claws into your purse strings and heart strings.
Your first statement that she had a bunch of mobile numbers and no mobile should have rung bells in your head. She is a professional con-woman and I would not be surprised if she is a prostitute supported by a gang. You have been dancing to her nimble fingers. Have you noticed that she dictates where and when you will meet.
I am curious to note how much money you have spent so far, just for a few mooches. And what about the gifts you have given her this far? Has she even given you a glimpse of her boobs? Wake up, man. The longer you persist in this affair, the deeper you will find yourself in the quagmire. Expect blackmail to follow. You must be now so emotionally involved that I see difficulty in breaking up and a bout of depression for you.
Have you been to the place she lives? Or at least seen the place? Do you have the address? Do you have a photograph of hers? Tell me why would she refuse to let you take a snap of hers?
The final straw seems to be her reluctance to get physical with you. She will drain you of your money and you will have nothing to show for it. Not even dipping your candy in her love hole to quote it with some juicy honey. Read some of the experiences of other Readers who have spent a fortune on the woman they thought they loved but finally got a cold shoulder from them.
About your doubts:
Does she really love me? Only time will tell.
Is she speaking the truth? No.
Is she using me? Yes , Big time.
Is she sharp to use me for her purpose? Yes, No doubt about it. When you have wool over your eyes, you see the world with blinkered eyes.
Will she remain loyal to me? Not for long. Once she unclothes you of your wealth, she will walk away.
Do post your Comments after a year , if I was wrong.