Pardon my bluntness but COME ON!
I'm probably gonna get shit from people here for not being p.c with my opinion, but if your a grown ass man, you should know a bit better then to set yourself up like this. Everybody has the occasional brain fart, but you pretty much have an entire forum of experienced bro's telling you this isn't exactly the best idea.
Yes she's a " masseuse " at a " veggie " joint, that parts okay, but the part about " hey let me borrow 20k, " and " let me try on this crazy expensive Adidas Y3 tracksuit " are both ways of her testing the waters mate. If she was a normal girl that you met on the street/bar/club/social situation, one would most likely label her a potential gold digger. Who in the right mind would ask anyone to borrow 20k right off the bat?
You might as well just admit to yourself and accept the fact that you like a sketchy mainland chick, which is okay, but all this various self justification is a bunch of bullocks. Keep the relationship what it is, fuck, some money here and there, and that's it if you want to avoid potential failure and heartbreak. If it works out, more power to you, but do take the advice of the bro's here as they've given you very valuable " life education".
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If it works out, more power to you, but do take the advice of the bro's here as they've given you very valuable " life education".