If I were in this situation, nah I know she would come around for something real, as supposed to something material, superficial, and short-lived.
She's got a point.
If I lived at home with my mother, I would not expect any girlfriend to have sex with me. But if I had a girlfriend, I would expect her to never cut me off for any reason except illness.
Dump her imediately! A girl with priorities so mixd up is always going to find an excuse not to bone you..
I'd move out, and hope she was still around when I did.