Bloody hell! I was sure she was genuine. She looked so cute, sounded so sincere, so interested in me. But it was all a sham! She (or he) is a scammer targeting lonely old men like me. And I fell for it. First she asks for $400, then the bank problem will escalate and she will ask for another loan and then money to travel to Australia or for her mother's urgent operation.
------------------------------------
So, obviously, I can forget about asking her for money.
You can't scam a scammer, can you?