Hi Shaun,
I don't know if you read about my money stuff with my lady. Some of your problems with sending money sound uncannily like mine. I tried Western Union, then Moneygram, but didn't feel it was safe. She asked me to send quite a bit so she could leave her job, support her two children and sort out her divorce in time for my second visit in December. It was quite a fraught time, because there were genuine reasons why I couldn't send the money quickly. Eventually, I took a morning off work, went to my bank to transfer the funds via a bank to bank transfer to her brother's account. She only has a post office account, which doesn't have a bank number, just an account number. So the money went to her brother's account, and then he sent it to her. This all took about two weeks from the time she asked.
Then she got all worried about the financial costs of the marriage, we had a misunderstanding, and I asked her brother to intervene. Then I said we would have a face-to-face frank discussion about money when I got to China. We had that discussion, which cleared the air somewhat. I didn't give her any money while I was there. I, and her brother recommended that she look for a job now, which she is doing, now I am back in England.
My advice to you, based on my experience, is to keep cool, and suggest that you need to discuss finances with her face to face, like I did. The imagination can be a terrible thing, and unrealistic expectations of Western wealth can make things more terrible. If you can hang on until you go to China, I would have it out face-to-face with her. I was expecting a difficult conversation, but it was OK in the end. Hope this is helpful.