Having just this minute responded to someone who I DO believe IS being "taken for the proverbial ride" ... MY gut instinct would be to sever the connection completely.
However, laying aside my [increasingly] "suspicious" thoughts for a moment,

I think it's best if you could somehow tactfully broach the subject of your true financial situation in your next communication. In other words, be totally up-front with the girl at this early stage of your online relationship. Put your cards on the table as soon as possible ... so that she's left in no doubt as to where you both stand moneywise. Should her reply express disappointment that you could even consider her to be a scammer, all you need do is reassure her that you'd been simply erring on the side of caution ... having heard of so many cases where

"sob stories" have been used to dupe western guys into parting with their hard-earned cash. If her motives ARE, indeed, genuine, then I feel she will accept your explanation.