Two more cents worth...
Security for Outcalls has long been a contentious issue on this board. If a girl is going to do outcalls without agency support (which can be lacking sometimes too), she needs a "driver". Someone that she can have as backup protection, in case this kind of thing happens. And, yes, he/she must be paid for his/her time. This should be added on to the fee, and explained to the customer as a cost of doing business.
Any customer that isn't interested in paying a "security deposit" on a visit from you is not a customer you want to see. This ensures everyone's safety.
I'd never use an agency or see an agency girl, but this is a case in point as to what they do provide. Both the girl and the client usually get less than they deserve, with the agency taking a big slice from each, but they usually make sure the girl is safe.
Once an outcall client is established, the security fee can be waived by the SP, if her comfort level is reached. But, Monique, you have to admit, his admonision that he had seen you before isn't enough to put your trust level to where you did. An unfortunate event, but hopefully a lesson learned for all.
At least with an incall, you have the control. Maybe even suggest that he take a cab over, it'd be cheaper for him to come to you than the other way around...
Rubin