Just too non-discrete, naive, and young-minded for my liking...on top of me not being super attracted to her. It would have just been me having sex for the sake of doing it. I could also tell from her attitude that I couldn't stand to gain anything from smashing and trying to leave it at that without her catching feelings or trying to make it into "something more".
She was just trying too hard.
She was almost nagging me about not smashing so I could just see the drama coming from a mile away and sometimes, you've just got to sit and go: "Man, why even go through the motions. I don't want to give this chick any kind of power/advantage. If she has a problem with me being a gentleman & declining, it'll say more about her character than anything and I'll have saved myself any kind of future obligation or guilt."