I think she is saying she wants to hold off on jumping into anything intimate with you maybe. I'm not sure what she'd be using you for unless you are paying for everything all the time or you think she is just using you as something to pass her time until something better comes along. It doesn't really seem that way if you two seem to mesh and have been affectionate on some level. I think really she just wants to not rush from one major relationship to another and thats ok. At least she's being upfront with you. If you two had been hanging out for several months and she wasn't willing to commit, then I'd worry. Not at this point.
So, so you think you can tell Heaven from Hell,
blue skies from pain.
Can you tell a green field from a cold steel rail?
A smile from a veil?
Do you think you can tell?
And did they get you to trade your heroes for ghosts?
Hot ashes for trees?
Hot air for a cool breeze?
Cold comfort for change?
And did you exchange a walk on part in the war for a lead role in a cage?