Cops will say “sex for money” and want you to say “sex for money”. If the conversation includes the words “sex” and “money” in the same sentence she might be a cop. Escorts avoid those words. Never agree to have sex for money. Talk about “love at first sight” instead. If she asks you what you want, tell her you to like to get intimate. If she wants more details, explain you want something similar to people in love. You can talk about “romance” and other things that should be a hint to a person of average intelligence.
If she stays with sex for money then explain that you’re not interested in agreeing to sex for money and ask her to leave. She’s either very stupid or a cop. And you don’t want to try to fuck a cop. Generally, the police are after the hookers and not the johns. She has more reason to worry if you’re a cop. And you don’t want to scare her off by saying “sex for money”.