@blindtooblind,
I skimmed your post, I admit.
But the gist of it is that you enjoy being the white knight to someone who doesn't appreciate it and you can't save.
You've been wasting your money and your time. These imaginary rules which you may or may not be breaking are potentially signs of abuse.
She's doing you a favor. I know you don't think so right now, but in about six months, you'll be happy that it's over.