I understand EXACTLY where you're coming from. That's how I felt for awhile. This sounds like something a naive 18 year would do. But then I thought about it and realy starting listening....
Maybe she's playing herself, but I don't think she sees the danger in this. I think she feels like he is different because he doesn't ask her to do anything for him. He didn't ask for her to money on his books. His parents do that for him. He didn't ask her to change her religion, the girl did that herself. He didn't ask for her to marry him, she decided this after talking to him for so long. He doesn't beg her to call him. In fact there was a period of time where she had stopped talking to him because she was busy with school......he didn't get upset. I think he did tell her that it was hard not seeing her or talking to her for long periods of time so he asked her to make a decision on whether she would like to talk to him and be on the calling list or not.