I've been gaming this girl in my college residence hall who I could see myself possibly dating. We've hooked up several times which commonly ends up in everything short of sex and let me add, I'm really good at what I do

. I'm still a virgin simply because I choose to be. She is really laid back and usually just stays in her room which is really convenient for me. She is also in a very complicated relationship with someone a couple hours away, still in high school, and who she doesn't trust anymore (with very good reasons in my opinion not to) but still gives him the benefit of the doubt in most cases. I feel this relationship is on the brink of collapse, but it seems they are trying extremely hard to keep it going.
The other night I asked if she wanted to join me for lunch the following day at a local restaurant. Her response was that she didn't have any money. I offered to pay for her (which I was iffy about doing but went ahead anyway), and she didn't take very kindly to that. I feel like her complicated relationship status and that alone is what is keeping or relationship from going beyond a friends with benefits relationship as she has given numerous SOI about a future between us.
What should I do? Just tone down the display of interest and let her feel like she's loosing me or just continue along with the friends with benefits relationship until she is in a better situation for another relationship?