Why is she suggesting this sort of thing when she has never had any trouble paying me back?

dude apparently she wants you,she is just playing the angle to get what she wants..and seriously if you wont take her up on her offer some other person will,who knows she may be the love of your life sir. i met my wife in an awquard situation similar to this but she said it jokingly and i was like how bout we just go out on a date and see where things lead...and guess what ...she is now my wife best thing ever so basicly offer a intimate date (not pizza hut,mcdonalds,burgerking,)and actually go out on a date and see what happens