I am not financially exploited. Yes, it is adultery and it is wrong.
You are right about:
"being used because she's keeping you hanging around & using you for what she wants when she wants it even though you see your benefit as sex, you are still emotionally tied to her through the sex & she's got you wrapped around her finger"
even it doesn't feel that way, this is a spot on! Thanks!!
Your last sentence is big. Great post! Thinking about it..................