I agree I think it sounds like your friend is shy. I can talk for hours behind a computer, but in real life I'm super shy and really introverted. If somebody met me in real life after talking to me on the computer they would be in for a shock. It does seem rude she didn't offer to pay for anything if she had the money. Maybe she's never been a guest like that before. I understand your frustration and I think it's reasonable to feel upset.