Most Helpful Guy
Dude, I just got out of a relationship where just before it had started, that's what was happening. I'm telling you for your own sake, if you want a serious relationship then start it asap, otherwise end it now. My relationship with a girl like yours ended because we were having problems, I'm not going to get into that though, it doesn't have much/anything to do with this problem. She's being a girl and girls enjoy saying things like love and fantasizing about a happy future with kids and a good job and a perfect husband. The best analogy for it that I can think of is that it's like imagining winning the lottery but not buying a ticket.
You've got to lay it on the line and if she isn't really interested in you and won't go into a relationship, you're a toy to her. Maybe not intentionally, but you are. She'll play with you and have some fun but she'll get bored with you, maybe break you. And if she loses you she'll be upset about it, maybe cry a little, but then she'll just find a new boy toy to play around with and be fine again. More likely, she already has other toys and plays with them too. She'll still cry about losing you but it wouldn't matter, she's still playing with someone.
If you do lay it out and she says no, you need to cut her out of your life. Maybe not forever but that would be for the best. Block her cellphone number from your phone, block her facebook, email, myspace, do not drive by her house, do not hang around people who you might see her with, etc etc. It hurts but it's got to happen sooner or later and the quicker it happens, the sooner you can find someone genuinely interested in being with you.
I haven't mentioned if you try and she does want a relationship now. I'd say that I think that's what will happen but there was another girl I knew who I tried this with and she said no to it (it was long distance but we still talked about that stuff anyway). So anyway, if you ask and she accepts and you start going out, there's no more problem. You solved it, she's yours.
Whatever happens, do it fast and good luck0