Hi Paul,
I think the lyrics are really good, reminded me of a Tom Petty song from way back. I like the invitation to call her, shows your confidence.
I'm not sure about the use of the word stones. To me balls means having the guts to ask, so it reads like you are daring him to ask her, which doesn't work in my head. It reads like the only reason she'll stay with you is because he'll never ask.
I imagine the song to be about the woman saying no, even if he does ask. I'm hearing You haven't got the class to steal my girl. This says to me that money doesn't buy everything.
Not sure if this is what you had in mind, so feel free to ignore me if it doesn't fit,
Keith