Please come back to reality...above all, think of the infinitesimal chance that it might work, compared with the overwhelming risks.

I was made an offer when I was in my early 20s, by a work supervisor 45ish years my senior. Out of mutual respect and trust, we both agreed to forget that conversation forever, and that was the end of it. However, I was TOTALLY repulsed, insulted...everything you'd expect. It goes without saying that there were grounds for an ugly SH suit. I'd known him for years, so our situation was a bit unusual...if he ever tries again with another girl, I doubt he'll be so lucky.

At that time I was not yet ready to think about pay for play in any form. When I was ready, I took it upon myself to find sites such as this one, and make myself available under my own terms. I would still be horrified at a p4p approach from someone in my personal or professional life. Here in the hobby, I am a commodity by choice...in my personal life, I do not expect people to view me that way. It's one thing to advertise yourself on Eros or SugarDaddy.com as a pretty blonde nympho, and be paid for that...it's another to present yourself in the civvy world as a bachelorette/girlfriend/mom/wife/nun/careerwoman/dreamer/romantic/poet/athlete/whatever and have someone assume that their money can supersede those things...or that they even have a right to ask. The most obvious thing, though, which you already know but which can't be said enough,  is that most civvy women dislike sexual attention from men they don't want to date, and would be repulsed at the $ angle - and most of them would badmouth you for asking in a hot second.  

I also question whether the story is true. Is it possible that she wants such an arrangement with you, and used that little narrative to make the suggestion?