Why would a female want to cuddle and make out?

Apparently she enjoys the physical pleasures of intimacy but she doesn't want any of the responsibilities that come with having a relationship. There may be a variety of reasons for that to happen.

Yo, J-Man, let's rap. I don't know how old you are, you sound like you might be young, so I'll leave it at this - It's commonly called 'no strings attached' or 'casual' and it's a lot more common than you might think. So, it may or may not be your thing, do or don't, you make the call.

Because you’re being manipulated

She's just playing you.

Obviously she feels too young for a relationship ...
You have not given an age yet?