Sincerely sorry. Cannot answer to you query. Besides, the culture/background etc. have little to do when these sort of situations come. Human reactions for the most part are same everywhere.
Are you somehow in to psychology? No need to answer if you don’t want to. 
Yes. Even though head-sand relation thing is a little bit harsh to say.
I would agree to the fantasy part and as followings:
-If she has no other better alternative
-Has low self esteem
-Guy is a real charmer, plays an emotional game with her (this can be further discussed)
-She is also a player, (getting free dinners/gifts/attention ) and both are equally trying to deceive each other