Wow... still got conservative like TS? I thought youngsters nowadays YOLO.

The problem lies with you really. Girl willingly offered herself. Nothing to lose really. Girls are more proactive nowadays huh... possibly. All you need is to have your own ground and limits. How far are you willing to go for her. If she starts asking for more (financially), you can cut her off what. If she got you between your legs, then blame yourself for succumbing to the pleasure.