I want to give a female friend very disappointing news (I do not want to get married) face to face but she keeps asking me over text/phone calls?

I have a long time female friend (briefly more than friends when we first met) who proposed a marriage idea a few months ago that would of mutually benefitted us both economically (her more so but me as well). I am actually in a financial calamity right now but I have been recovering. She brought up this idea right when my dire financial problem started. I was in a different headspace and I said I would consider it (I was)

Also I am 41 and never been married. She’s 27. She is a very honest and hard working woman. She always treated me well. I have a ton of respect for her. But I have one major problem: I am just not attracted to her physically. It’s not something she can change either (she’s not overweight).

She knows I am not in love with her. She also knows about my financial situation. This is really more for business. She even gave me permission to date other women when we got married but i was never a cheater and don’t want to be an adulterer. Even if it’s just a paper marriage cheating is cheating

I did seriously think about this. I got lots of advice from confidantes I trust too. But after thinking it all the way through I decided it’s not a good idea at all. There is only one way it could go right and thousands of ways it could go wrong.

Anyway she travels for her job and I only see her maybe once or twice a month. We were unable to meet up last time (I planned to tell her). Now she is asking me over text messages.

When it comes to big let downs I believe in telling people face to face. I’ve had plenty of women selfishly and cowardly bitch out by sending me the answer I didn’t want to hear his SMS or worse ghosting. I do not do that. For example I sat down and broke up with my last ex face to face. She went nuclear ballistic but I knew she could at least look back and realize I respected her. Let her get to say what she needed to say.

But again this girl keeps asking me. I want to give her the full context in person why.

I want to give a female friend very disappointing news (I do not want to get married) face to face but she keeps asking me over text/phone calls?
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