I've had similar experiences, although not over such a long timeline as that. And you followed my number one rule for success in the bowl: Never be an asshole.
Never, ever, no matter how extreme the provocation. No matter how bad the flakiness. No matter how bat shit fucking crazy they are.
Be a gentleman. Be a gentleman even in the face of stupidity, inconsistency, flightiness, indecisiveness, craziness, rudeness.
NOTHING will set you apart from so many SDs other than Just. Not. Being. An. Asshole.
Why did this sweet little SB approach you after so long? You were polite! You weren't a dick when she made it clear that she wasn't (yet, as it turned out) ready to have sex. So, when she needed money, who did she think of? You. Of course.
“Being male is a matter of birth. Being a man is a matter of age. But being a gentleman is a matter of choice.”
― Vin Diesel
Who knew ole Vin was such a philosopher? But, I promise: It will also get you laid pretty regularly. And, apart from that, you get to feel good about not being an asshole!
Yup, that’s the time it took between the time I first dated this gal I met in 8th grade to the time she finally wanted to have sex with me.
I know it’s different because it wasn’t any kind of P4P situation, but still and all, this was kind of one for the record books.
Unfortunately, things didn’t work out too well. The sex was so-so at best, only occurred about three times, and she got the green eyed Gonzaga’s on account of the other gals I see, so I had to cut things off.
Lesson learned: if a platonic relationship is working well, leave it that way.