I agree.
The guy has to lead but also be calibrated and smooth. In re-reading OP's post, the fact that there wasn't even hand holding until the 2nd date signaled impending doom to me to start with.
Handholding/Hugging on a 2nd date may only be acceptable if OP met an inexperienced woman off ChristianMingle or something like that. LOL
Either she is super experienced in leading guys on , either she is not that experienced
but since she came to his place and spent the night , even though he op did not managed to do the most minimum escalation prior to this , I would say that she is just naive and not experienced
I would also add that he is quite inexperienced with women and does not know how to escalate and lead
do we know what age they are ? I would say no more than 20 based on the whole story so far