There is little doubt that she is playing you for a desperate, sexless, simp. And she's just using the simp playbook to keep you interested without adding anything to the relationship.
Never burn bridges, unless they are already on fire.
Rather than breaking it off completely, you can just put the ball back in her court (pun intended).
Here's what I would do:
Express empathy for her "condition" and her hesitation about "just going into sexual acts." After all, you are a nice, caring and respectful guy. You would never ask her to do anything that makes her feel uncomfortable.
But it's time for her to make a decision, so let her the next move. Tell her to reach out when she's ready to have a full date; without allowance if she's not ready to commit to a full arrangement and wants to make sure she's comfortable with you (Note: don't agree to more than 2 of these additional dates), or with allowance if she is.
Then - and this is CRITICAL - shut the fuck up.
Do not send any follow ups, check-ins, "how ya doing", etc. messages. Total radio silence. It doesn't matter if it's been a day, week, month or longer. No more messages. If she replies and tries to reset it back to "give me free stuff" mode, go back to your last statement: I am waiting for you to decide if you want to take the next step. Have you made a decision? Then wash, rinse, repeat one (and only one) more time. After that, on her 3rd attempt, just tell her thanks but you have moved on to a new opportunity.
If she replies that she wants full date with or without BCD, make your plans accordingly.
If she doesn't reply, she's realized she has squeezed as much out of as she can and has moved on.
Meanwhile, do not wait for her reply. Continue to look for and talk to new POT's. Use your time for your needs, not hers.
Life is good
The Cat