My girlfriend won't let me pay!

I love her a lot but I get annoyed she won't let me pay. She even got a job and now she has to balanceher job, volunteer work, yoga classes, cheer,school and her social life. She did this just so she can pay for me even though her life is already hectic. Even if I try to sneak money for her she notices and gives it back to me. Even when were eating out with my family she'll just order water if she forgot her wallet or everything's too expensive. I inherit money and I work at a coffee shop. So I have enough to pay. She won't even accept gifts that looks expensive and tells me I need to spend it on myself. How can I make her stop this? She needs to know I can pay and she doesn't have to work. I tell her but she tells me I should focus on spoiling myself.
My girlfriend won't let me pay!
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