She is a con-woman and was never going to leave with you. She only wanted your credits. Some women will actually pretend to like you, so that you will give them money. It's shocking, I know.
You lose 20 credits if you give them to her, but 20 credits isn't really worth loading a previously saved game and having to replay all those matches with Niklos.
I believe the walkthrough at this site kind of covers this.