You had genuine chemistry. Same sense of humor, easy conversation, she seemed actually interested in who you were. A few months in it quietly fell apart, and she was vague about why. A year later she's with someone who makes three times what you do and talks openly about wanting a family.
The chemistry was real. It just wasn't the only criteria.
The game
She's looking for a long-term partner, which means she's evaluating on two dimensions simultaneously: attraction and compatibility on one side, financial stability and future-building potential on the other. She may not have these written down. She may not consciously think of it as a screening process. But the filter is running.
The screening is invisible to you because the signals she sends are genuine. The interest is real. But attraction is necessary, not sufficient. The questions about your work, your ambitions, where you see yourself in five years: those aren't small talk. They're the interview.
You're answering honestly, not knowing you're being evaluated on criteria you can't see.
The equilibrium
This is rational behavior on her side. Long-term partnership has real financial stakes. The fact that the criteria are unstated isn't necessarily deceptive. She may not have articulated them clearly even to herself.
The equilibrium holds because disclosure is costly. Saying "I'm evaluating your financial prospects" on a third date destroys the dynamic. So the screening runs underneath the stated criteria, which are attraction and compatibility, and both things are simultaneously true.
Dominated strategies
Performing financial success you don't have is the dominated strategy. It passes the early filter and fails the later one, at greater cost to both of you.
Assuming the connection is the whole evaluation. The interest is genuine, the conversation is good, so it feels like things are going well. They are, on one dimension. The screening is running on a second one you can't see from inside the attraction.
You can ask directly what she wants in a long-term partner. Most people will answer honestly. But the more unsettling thing to sit with is that the filter was already running while you thought you were just getting to know each other. The interview looked exactly like chemistry.