Im so sorry youre experiencing such difficulty
I dont think thats fair that she is spending your money.... unless she is spending it all on your kid?
I guess its difficult to know whats happened inside her head as it doesnt seem like she has told you. I would be very careful if I were you. Sending some sporadic "I love yous" to me sounds more like stringing along rather than actually being in love with the person. But as I said, its very difficult to know.
It sounds like you need to both have an open and honest conversation.