>She's horny, but not for you. I'm sure it sucks, but that's how it looks from this guy's view
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>Or maybe those, "mutual orgasms," aren't so mutual and she has to get herself off? 🤷 They need to have an uncomfortable but necessary conversation.

Or she just wants to masturbate because she doesn't have to worry about making sure another person is pleased sexually and she can just get off and then sleep?

Masturbation and Sex are not interchangeable. You can be in the mood for one and not the other.

Also, she is being super shitty about it either way.