My first quasi SB would do this some what frequently. However, this was after I had known her off and on for like a year at the strip club she worked at. We'd go to her apartment, or I'd pick her up at her parents house (or some other random place). Very weird, and always left me on edge (she was dating a kind of gangbanger type I learned later on) that I was about to get set up. Over time this feeling abated a little bit, but there were times it didn't. That lasted off and on for most of our very casual thing.

I think in your case this woman is either very naive or she is a professional. OR you are going to be set up some how. Just tell her to get an Uber and you can pay her fair or something.