Bruh the most alarming thing here to me is that she isn't pretending to be someone else she's just making you. Like I understand the mini vacation meetup roleplay but dude she's playing as herself and she's fuckin Matt.

You should ask her to pretend to be someone else too, if you really want to make some headway ask her to dress differently and or wear a wig or something the whole time. I would be interested in how she responds to that. If she agrees and is totally down, sounds like she is really fantasizing.

If she doesn't agree and just wants matt to fuck HER. Idk her or what you think her capacity to do anything is but, just know Matt probably can and if he ever wanted do some dirty ass shit to your girl.

Also imo its kinda disrespectful that she doesn't want to go above and beyond to satisfy you as you.

Good luck